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THE WINGS-2014
(STUDY MATERIAL FOR PROMOTION EXAMINATIONS)
PREPARED BY
TEAM SBLC, MASULIPATNAM
STATE BANK LEARNING CENTRE
MASULIPATNAM 521 002
KRISHNA DIST. ANDHRA PRADESH
Phone: 08672-250078 (AGM) 08672- 251548 (Office) ( FAX: 08672-251546
IP: 903191
Emai: stc.mptm@sbi.co.in
Date : 21st April, 2014
Dear colleagues,
THE WINGS-2014
A STUDY MATERIAL FOR ALL PROMOTION EXAMINATIONS
We are very happy to bring forth THE WINGS-2014, a compilation of study material
which could be of use for promotion examinations in the coming months.
2. Over the last couple of years, THE WINGS & SADHANA SERIES have become very
popular among all the career oriented employees/officials of our Bank. The Wings-2013
& Sadhana Series -2013 evoked tremendous response from the various users. The
happiest and relishing thing is that the appreciations have poured in not only from
various parts of the country but also from some of the colleagues working abroad. With
lots and lots of new users being added, there is a great demand for the release of THE
WINGS-2014.
3. A word of caution to the users of the book. While we have taken every care and
precaution in compiling the material error-free, a few mistakes might have crept in
inadvertently. Neither the Bank nor the SBLC owns up any responsibility for
controversies, if any, arising out of this compilation.
4. All the faculty members presently working at the SBLC have contributed to this effort.
The Team SBLC, Masulipatnam wishes all the users the best of luck in their endeavours
to gain more knowledge and elevation in service.
NAME
CELL NO.
EMAIL ID @sbi.co.in
1.
9866502240
ds.prasad
2.
9989211097
ms.chakradhar
3.
Smt. B. Savithri
Manager (Trg.)
9959111096
savithri.ausekar
4.
Shri. S. Sivajee
Manager (Trg.)
9666665946
sivajee.s
5.
9989389685
pallem.goud
6.
8008801272
reka.rao
7.
Shri. B. Chakrapani
Manager (Trg.)
9000169123
bc.pani
8.
9704944424
k.balasubramanyam
9.
MS Maria Begum
Assistant
8142717999
maria.begum
10.
9966550016
karri.kumar
: 08672-250078
: 08672-251548
: 08672-251564
: 903191
: stc.mptm@sbi.co.in
SBLC, MASULIPATNAM
COMMERCIAL & INSTITUTIONAL FINANCE (C&I)
10
12
13
14
15
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18
19
20
SBLC, MASULIPATNAM
Prudential exposure limits for single and group borrowers other than
infrastructure projects is:a) 15% of the capital (Tier I and Tier b) 25% for individual borrowers and
II Capital) of the Bank for single
50% for group of borrowers
and 40% for the group of
borrowers
c) 20% of the capital of the Bank for d) None of the above
individual and 50% for the group
of borrowers
What constitutes exposure?
a) Includes both FB and NFB limits b) Loans and advances sanctioned to
sanctioned to the borrowers
the borrowers
c) Includes FB and NFB facilities, d) all of the above
investments, underwriting and
any other commitment
What are the substantial exposure norms for single borrower specified by our
Bank?
a) 15% of the Tire I and Tire II b) 7.5% of the Tire I and Tire II capital
capital of the Bank
of the Bank.
d) None of the above.
c) Rs. 20 crores
What are the prudential exposure norms for non-corporate and non-individual
borrowers?
a) Rs.80 crores
b) 100 crores
c) Rs. 50 crores
d) 25 crores
What is the loan policy guideline of the Bank in respect of maturity of loans
(inclusive of gestation period)?
a) 8 years
b) 5 years
c) 7 years
d) 9 years
What is the indicative bench mark of the Bank in respect of Current Ratio for
Manufacturing units?
b) 1.50
a) 1.25
c) 1
d) 1.33
To assess the financial soundness of the unit, what is the reasonable TOL/TNW
prescribed by the Bank for Trade and Service Units?
a) 2:1
b) 5:1
c) 4:1
d) 3:1
What is the indicative Net Debt Service Coverage Ratio prescribed by the
Bank?
a) 3:1
b) 1.75:1
d) 1.50:1
c) 2:1
What is the indicative Gross Debt Service Coverage Ratio prescribed by the
Bank?
a) 3:1
b) 1.75:1
c) 2:1
d) 1.50:1
What is the indicative Debt Equity Gearing prescribed by the Bank for Trade &
Service Units?
a) 1.50 : 1
b) 2.25: 1
d) 2: 1
c) 1.75:1
Page 2 of 141
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29
SBLC, MASULIPATNAM
Selective Credit Control directives issued by RBI will not cover the following
aspects of advances
a) monetary ceiling per borrower
b) Interest rate on advances
c) overall ceiling for the Bank as a d) Margin on advances
whole in respect of a particular
commodity
What is the main objective of Selective Credit Control
a) To control the loaning activities of b) To regularize rate of interest on
the Banks
particular types of commodities
c) To control the level of advances d) To prevent speculative holding of
to a particular trade / industry
essential commodities with the
help of Bank Credit
What is the validity period of administrative clearance (AC) accorded by the
CCC/CCCC?
a) 3 months
b) 2 months
c) 8 weeks
d) 12months
What are the three major components of post-sanction credit process?
of
security, b) Inspection, follow-up and recovery
a) Creation
documentation and disbursement
c) Follow-up,
supervision
and d) None of the above
Control
Follow-up function include one of these jobs
of
security
and b) Pre-sanction Inspection
a) creation
documentation
c) Sanction of the loan
d) Application,
appraisal
and
recommendations
Supervision function include one of these jobs
a) Periodical classification of assets b) Documentation and creation of
as per IRAC norms
charge
c) Obtention of Stock Statements
d) Verification of books, registers and
statements periodically
Cash Budget method used commonly for the following types of borrowers
a) for SSI units of Rs.25 lacs and b) For C&I units of Rs.1 crore and
above
above
c) for traders
d) for seasonal industries like sugar,
tea and for construction activity
PBS method of assessment will be applicable to the following types of accounts
a) Borrowers
engaged
in b) Borrowers requiring FB Limits of
manufacturing,
services
and
Rs25 lacs and above
trading and agricultural activities
c) For borrowers with FB Limit d) none of the above
requirement of above Rs.5 crores
Turn Over method is applicable for the following credit limits
a) For all units whose working b) For manufacturing units whose wc
capital requirement is upto Rs.1
requirements is upto Rs.2 crores
crore
c) For manufacturing, trade and d) None of the above
services units whose working
capital requirement is upto Rs. 5
crores
Page 3 of 141
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33
SBLC, MASULIPATNAM
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35
36
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Page 4 of 141
40
41
42
43
44
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46
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48
49
SBLC, MASULIPATNAM
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58
59
60
61
62
SBLC, MASULIPATNAM
We have to prepare both Borrower wise and Facility wise rating for Customers
whose FB+NFB Requirements are above
a) Rs.50 lacs
b) Rs.2 crores
c) Rs.25 lacs
d) Rs.5 crores
As per the Basel II norms, the Credit Conversion Factor for Documentary LCs is
a) 20%
b) 25%
c) 50%
d) 100%
Benchmark levels for Current Ratio for other than Manufacturing units with
FBWC limits < Rs. 5 crores is (as per loan policy)
a) 1.30
b) 1.00
c) 1.20
d) 1.33
Cost of Sales is
a) Cost of Production + Selling,
b) Cost of Production - Non Operating
General & Administration Exp
Expenses
c) Cost of Production + Op Stock of d) Cost of Production + Op. St. of FG
SIP - Cl Stock of SIP
- Cl. St. of FG
While analyzing Balance Sheet , Deferred Tax Assets are classified as
a) Current Assets
b) Non Current Assets
d) Intangible Assets
c) Fixed Assets
Benchmark levels for Project Debt Equity as per loan policy is
a) 3:1
b) 4:1
d) 2:1
c) 1:1
Substantial Exposure is reckoned as ------ % of Bank's Capital Funds for a
Group of borrowers
a) 5.00
b) 10.00
c) 2.5
d) 15.00
Cash Flow Statement classifies cash flows from these activities
b) Financing & Investing
a) Operating, Accounting &
Financing
c) Operating & Investing
d) Operating, Investing & Financing
To ensure 'End Use of Funds', the best tool is
b) Operating Statement
a) Cash Flow Statement
c) Cash Budget
d) Funds Flow Statement
While analyzing Balance Sheet, Software related CAPEX is classified as
a) Current Assets
b) Intangible Assets
c) Fixed Assets
d) Non Current Assets
While analyzing Balance Sheet , Advances paid to suppliers of raw materials' is
classified as
a) Non Current Assets
b) Intangible Assets
c) Fixed Assets
d) Current Assets
While analyzing Balance Sheet , 'Advances to suppliers of Capital Goods' is
classified as
a) Current Assets
b) Intangible Assets
c) Fixed Assets
d) Non Current Assets
Receivables to Gross Sales falls in category of
a) Liquidity ratios
b) Solvency ratios
c) Turnover ratios
d) Coverage ratios
Page 6 of 141
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SBLC, MASULIPATNAM
65
66
67
68
69
70
ANSWERS
1
11
21
31
41
51
61
b
a
b
a
b
a
d
2
12
22
32
42
52
62
c
d
d
c
d
c
c
3
13
23
33
43
53
63
a
b
c
a
d
d
c
4
14
24
34
44
54
64
b
b
c
b
b
d
c
5
15
25
35
45
55
65
d
a
a
d
c
d
d
6
16
26
36
46
56
66
c
d
d
d
b
d
a
Page 7 of 141
7
17
27
37
47
57
67
a
b
d
a
d
d
c
8
18
28
38
48
58
68
a
c
c
b
c
d
b
9
19
29
39
49
59
69
d
b
c
c
b
b
c
10
20
30
40
50
60
70
b
d
c
b
d
d
d
SBLC, MASULIPATNAM
SME ADVANCES
Page 8 of 141
SBLC, MASULIPATNAM
Page 9 of 141
SBLC, MASULIPATNAM
ANSWERS
1. c 2. a 3. c 4. b 5. c 6. a 7. a 8. a 9. a 10. c
11. b 12. c 13. a 14. b 15. c 16. d 17. a 18. c 19. a 20. a
21. a 22. c 23. d 24. d 25. d 26. b 27. a
Page 10 of 141
SBLC, MASULIPATNAM
2.
3.
4.
5.
6.
7.
8.
9.
Page 11 of 141
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12.
13.
14.
15.
16.
17.
SBLC, MASULIPATNAM
Page 12 of 141
19.
20.
21.
22.
23.
24.
25.
26.
27.
SBLC, MASULIPATNAM
Which of the following is not true with respect to Traders Easy Loan?
a) Stocks statements are to be
b) Traders Easy Loan can be
obtained at monthly intervals.
sanctioned as DL/TL/CC.
c) The primary security for the loan
d) Rice Mills can also be considered
would be hypothecation of Stock
for financing.
only.
The maximum quantum of loan that can be extended under SME Credit Card is:
a) Rs.10 Lacs
b) Rs.20 Lacs
c) Rs.10 Lacs fro Traders & Rs.20
d) Rs.25 Lacs
Lacs for Manufacturing Units
The SME Credit Card is sanctioned for a period of ________.
a) 2 years, subject to annual review
b) 3 years, subject to annual review
c) One year
d) 3 years
The minimum score, an applicant should get to be eligible for availing finance
under SME Credit Card is:
a) 60%
b) 65%
c) 70%
d) 50%
The maximum age criteria stipulated under SME Credit Card is___________.
b) 70 Years
a) 65 years
c) 66 Years
d) No maximum age stipulated
Which of the following is true with respect to SME Credit Card?
b) For SBF units, collateral/third party
a) No collateral is insisted upon for
SSI units
guarantee is obtained if the loan is
more than Rs.25,000/c) Maximum repayment for the term
d) All the above
loan component is 5 years.
Which of the following is true with respect to SME Credit Card?
a) The limit can be reviewed if the
b) A repayment schedule has to be
credit summations are 50% of the
fixed if the credit summations are
projected turn over.
less than 50% of Projected Annual
turn over.
c) Both CC and TL can be sanctioned d) All the above.
under the scheme.
Under SME Credit Card scheme, which of the following is Not true?
a) Cheque book to be marked as
b) Stock statement is obtained once in
SME Credit Card
a year, preferably in last quarter
d) Detailed Opinion reports are to
c) Borrower can be issued a Photo
Identity Card
compiled and should be on record.
Who among the following is not eligible for finance under SME Credit Card?
a) Self employed with a credit
b) Professionals with credit
requirement of Rs.10 Lacs
requirement of Rs.8 Lacs
c) Village Industries with a credit
d) SSI units with credit requirement of
requirement of Rs.7.5 Lacs
Rs.15 Lacs
Which product do you suggest to a small manufacturer whose credit limit
requirement is Rs.25 Lacs and who wishes that the facility can be sanctioned for
a period of 2 years?
a) SME Credit Card
b) Traders Easy Loan
c) SME Smart Score
d) SME Credit Plus
Page 13 of 141
29.
30.
31.
32.
33.
34.
35.
36.
37.
SBLC, MASULIPATNAM
The maximum amount of Loan that can be extended under Doctor Plus Scheme
is ________.
a) Rs.1 Crore
b) Rs.2 Crores
c) Rs.5 Crores
d) Rs.10 Crores
Who among the following is eligible to avail finance under Doctor Plus scheme?
a) Partnerships, Individuals
b) Corporates
c) Trusts with powers to borrow
d) All the above
The minimum DSCR stipulated for loans under Doctor Plus is ________.
a) 1:1.5
b) 1:1.75
c) 1:1.15
d) 1:1.33
Which of the following is Correct with respect to Doctor Plus Scheme?
a) The loan can be sanctioned as
b) The loan can be sanctioned as an
Medium Term Loan/Cash Credit
Overdraft.
c) The loan can also be sanctioned as d) The loan can be sanctioned as a
Demand Loan.
Medium Term Loan/Cash
Credit/Demand Loan/O.D.
Maximum Moratorium that can be allowed for loans sanctioned under Doctor
Plus scheme is: ____________.
b) 12 months
a) 6 months
c) 18 months
d) Till the doctor's practice is stabilized
subject to a maximum of 18
months.
The maximum amount that can be sanctioned to an individual under Doctor Plus
scheme at Metro / Urban centres is:
a) Rs.10 Crores
b) Rs.5 Crores
c) Rs.2 Crores
d) Rs.1Crores
Which of the following is True under Doctor Plus Scheme?
a) The collateral security for loans
b) The collateral security for loans for
above Rs.25 lacs and upto Rs.1
loans sanctioned to Micro & Small
Crore should be at least 25% of the
Enterprises above Rs.1
loan amount. Alternatively,
Crore should be at least 25% of the
eligible accounts may be covered
loan amount and also Personal
under CGTMSE scheme.
guarantee of the promoters.
c) The primary security will be
d) all the above
hypothecation of Assets financed
by the Bank
Which of the following can be considered for finance under Doctor Plus scheme?
a) Setting up clinic and Purchase of
b) Expansion/renovation etc.
Ambulance
c) Setting up Nursing home and
d) All the above
Purchase of Computers etc.
The margin stipulated for loans upto Rs.10 Lacs under Doctor Plus scheme?
a) 15%
b) 25%
c) 20%
d) 10%
The margin stipulated for loans above Rs.10 lacs and upto Rs.5 crs is:
a) 25%
b) 20%
c) 30%
d) 15%
Page 14 of 141
39.
40.
SBLC, MASULIPATNAM
Which of the following is NOT a salient feature of the product Doctor Plus?
a) Multiple disbursements over a
b) 50% concession over the Card
period of 24 months form date of
rates in Upfront Fee/Processing
sanction based on requirements
Charges is extended.
can be made.
c) The inspection of the unit should
d) All eligible advances can be
be carried out at Monthly/quarterly
covered under CGTMSE.
intervals.
Maximum marks under Scoring Model for Doctor Plus scheme_____.
b) 100
a) 50
c) 75
d) 90
Which of the following is NOT true with respect to Doctor Plus scheme?
a) The rate of Interest for limits up to
b) Minimum score of 40 on credit
Rs.25 lacs will be based on Credit
scoring model is required to be
Scoring Model.
eligible for the loan.
c) For limits above Rs.25 lacs and up
to Rs.10 crores, the Pricing will be
based on CRA rating.
41.
42.
43.
44.
45.
46.
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49.
50.
51.
52.
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54.
55.
SBLC, MASULIPATNAM
Page 16 of 141
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58.
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60.
61.
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SBLC, MASULIPATNAM
Which of the following is True with respect to assessment of limits under SBI SME
CFL?
a) The Working capital eligibility for
b) The working capital eligibility for
manufacturing units, would be 20%
service enterprises would be 15%
of projected turn over & the
of projected revenue and for term
eligibility for Term Loans is 75% of
loans it is 75% of the project cost.
the project cost.
c) Maximum amount of finance is
d) All the above.
Rs.1 Crore and loans upto Rs.5
Lacs have to be covered under
"SBI Micro Loans".
The one time guarantee fee payable to CGTMSE would be in the range of ___.
a) 0.75 to 1.00
b) 0.50 to 2.00
c) 0.75 to 2.00
d) 0.50 to 1.50
The upfront guarantee fee payable to CGTMSE for loans upto Rs.5 lacs is____.
a) 0.75
b) 1.00
c) 1.50
d) No fee
The upfront guarantee fee payable to CGTMSE for loans above Rs.5 lacs and
upto Rs.100 Lacs is____.
a) 0.50
b) 1.00
c) 0.75
d) 1.50
The upfront guarantee fee payable to CGTMSE for loans upto Rs.5 lacs in North
East region is ______.
b) 1.50
a) 1.00
c) 0.75
d) 0.50
The upfront guarantee fee payable to CGTMSE for loans above Rs.5 lacs and
upto Rs.50 Lacs in North East region is ______.
a) 0.85
b) 2.00
c) 1.00
d) Fee waived for NE region
The upfront guarantee fee payable to CGTMSE for loans above Rs.50 lacs and
upto Rs.100 Lacs in North East region is ______.
b) 1.00
a) 0.85
c) 2.00
d) Fee waived for NE region
The annual fee payable to CGTMSE on loans above Rs.50 Lacs and upto Rs.1
Crore is_______.
a) 1.00
b) 0.75
d) 0.50
c) 1.50
The annual fee payable to CGTMSE on loans above Rs.5 Lacs and upto Rs.50
Lacs is_______.
a) 0.75
b) 1.00
c) 0.50
d) Waived
The CGTMSE trust shall pay 75% of the guaranteed amount on preferring of
eligible claim by the lending institution, within ___ days. Subject to the claim being
otherwise found in order and complete in all respects.
a) 30
b) 60
c) 90
d) 45
Page 17 of 141
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SBLC, MASULIPATNAM
The annual fee for the credit facilities sanctioned as on March31st should be paid
to CGTMSE on or before ________.
a) 30th April
b) 30th September
c) 31st May
d) 30th June
Which of the following is NOT true with respect to CGTMSE?
a) The credit facilities sanctioned to
b) The guarantee cover will be for a
Self Help Groups cannot be
period of 5 years where only
covered under the scheme.
working capital facilities are
sanctioned, subject to payment of
annual service fee.
c) Small road and water transport
d) Existing borrowers who have
loans are also eligible for
already availed finance cannot be
guarantee cover.
covered under the scheme.
The maximum amount of loan that can be sanctioned under SBI Micro Loan
is___.
a) Rs.10 Lacs
b) Rs.25 Lacs
c) Rs.5 Lacs
d) Rs.50 Lacs
The demand loan sanctioned under SBI Micro Loan is repayable within _____.
b) 5 years
a) 1 year
c) 3 years
d) No demand loan is sanctioned
SME-1, is obtained for
b) Agreement of Loan Cum
a) Letter of Arrangement
Hypothecation
c) Guarantee Agreement
d) Link Letter
SME-2, is obtained for,
a) Agreement of Loan Cum
b) Letter of Arrangement
Hypothecation.
d) Guarantee Agreeement.
c) Link Letter
SME-3, is obtained for,
a) Letter of Arrangement
b) Agreement of Loan Cum
Hypothecation
d) Link Letter
c) Guarantee Agreement
SME-12, is obtained for,
a) Letter of Arrangement
b) Link Letter
c) Guarantee Agreement
d) Revival Letter
SME-11, is obtained for,
b) Agreement for Hypothecation
a) Link Letter
c) Revival Letter
d) Guarantee Agreement
Under SME Credit Plus, ____% of aggregate working capital limit subject to a
maximum of Rs.25 Lacs can be sanctioned.
a) 10%
b) 20%
c) 25%
d) 15%
The maximum time period allowed for repayment of SME Credit Plus is _____.
a) 3 months
b) 1 month
c) 6 months
d) 2 months.
SME Credit Plus can be sanctioned for which of the following purposes?
a) tax payments
b) repairs to machinery
c) any other contingency
d) all the above
Page 18 of 141
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87.
88.
SBLC, MASULIPATNAM
Page 19 of 141
90.
91.
92.
93.
94.
95.
96.
97.
98.
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Page 20 of 141
SBLC, MASULIPATNAM
99.
c 2. a
c 12 a
a 22 d
a 32 b
a 42 d
c 52 a
a 62 a
a 72 c
b 82. c
c 92. a
3.
13.
23.
33.
43.
53.
63.
73.
83.
93.
c
d
d
b
d
a
a
b
d
d
4.
14.
24.
34.
44.
54.
64.
74.
84.
94.
a
d
d
d
b
b
b
c
a
a
5.
15.
25.
35.
45.
55.
65.
75.
85.
95.
d
d
d
d
a
d
a
b
c
b
6.
16.
26.
36.
46.
56.
66.
76.
86.
96.
a
d
d
a
c
d
c
d
d
d
Page 21 of 141
7.
17.
27.
37.
47.
57.
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87.
97
b
a
c
b
d
a
d
d
c
a
8.
18.
28.
38.
48.
58.
68.
78.
88.
98.
a
a
d
c
a
a
c
d
a
c
9.
19.
29.
39.
49.
59.
69.
79.
89.
99.
c 10.
a 20.
d 30.
c 40.
c 50.
b 60.
c 70.
a 80.
d 90.
b 100.
d
b
a
d
a
c
a
c
a
c
SBLC, MASULIPATNAM
INTERNATIONAL BANKING (UCPDC)
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
SBLC, MASULIPATNAM
Article ____ of UCPDC (ICC 600) illustrates about Issuing Bank undertaking.
a)
7
b) 15
c)
22
d) 29
Which of the following is True with respect to revised version of UCPDC 600?
b) The no. of articles have been
a)
The no. of articles have been
reduced to 39 as against 49 in the
reduced to 49 as against 59
pre revised version.
in the pre revised version
d) No. of Articles have been doubled
c)
There is no change in No. of
when compared to pre revised
Articles as equal no. of
version.
articles are deleted and are
added.
Article ____ of UCPDC (ICC 600) portrays Confirming Banks undertaking.
a)
5
b) 8
c)
11
d) 15
The other two important publications of International Chamber of Commerce,
other than UCPDC,600 are ______________.
a)
URC, URR
b) UCPDC 700 & 800
c)
UCPDC I & II
d) None of the above.
Unloading from one means of conveyance and reloading to another means of
conveyance (whether or not in different modes of transport) during the carriage
from the place of dispatch to the place of final destination stated in the Credit is
known as ___________.
a)
Bill of Lading
b) Partial Shipment
c)
Sea Way Bill
d) Transhipment
UCPDC is in use in more than _______ countries.
a)
175
b) 225
c)
255
d) 301
Which Article of UCPDC deals with Transferable Credit (L/C)?
a)
33
b) 35
c)
38
d) 39
A bank assumes no liability or responsibility for the consequences arising out of
the interruption of its business by Acts of God, riots, civil commotions,
insurrections, wars, acts of terrorism, or by any strikes or lockouts or any other
causes beyond its control. This is as per Article _____ of UCPDC,600.
a)
36
b) 37
c)
38
d) 39
Which article of UCPDC deals with Extension of Expiry Date or Last Day for
Presentation?
a)
22
b) 25
c)
29
d) 31
Which article of UCPDC deals with Partial Drawings and Shipments?
a)
22
b) 29
c)
30
d) 31
Which of the following statements is True with regard to Advising Bank?
b) An advising bank cannot utilize the
a)
An advising bank may utilize
services of another bank (second
the services of another bank
advising bank) to advise the credit
(second advising bank) to
and any amendment to the
advise the credit and any
beneficiary.
amendment to the beneficiary.
Page 23 of 141
SBLC, MASULIPATNAM
c)
23.
24.
25.
26.
27.
28.
29.
Page 24 of 141
31.
32.
33.
34.
35.
36.
SBLC, MASULIPATNAM
Page 25 of 141
38.
39.
40.
41.
42.
43.
44.
SBLC, MASULIPATNAM
Page 26 of 141
46.
SBLC, MASULIPATNAM
47.
48.
49.
Page 27 of 141
51.
52
53.
54.
SBLC, MASULIPATNAM
55.
56.
Which Article of UCPDC deals with Non Negotiable Sea Way Bill?
a)
15
b) 17
c)
19
d) 21
Page 28 of 141
58.
59.
60.
SBLC, MASULIPATNAM
1.
11.
21.
31.
41.
51.
a
a
d
a
a
d
2.
12
22
32
42
52
a
a
a
d
c
c
3.
13.
23.
33.
43.
53.
c
b
d
c
b
b
4.
14.
24.
34.
44.
54.
b
b
a
d
a
a
5.
15.
25.
35.
45.
55.
c
a
b
d
d
d
6.
16.
26.
36.
46.
56.
d
d
a
c
d
d
Page 29 of 141
7.
17.
27.
37.
47.
57.
a
a
c
d
c
d
8.
18.
28.
38.
48.
58.
a
c
d
a
a
d
9.
19.
29.
39.
49.
59.
a
a
d
c
d
d
10.
20.
30.
40.
50.
60.
b
c
c
b
d
d
SBLC, MASULIPATNAM
2.
3.
4.
5.
6.
7.
8.
With effect from 10th May,2012, the exporters are allowed to retain ______% of
their foreign exchange earnings in EEFC accounts.
a)
50
b) 75
c)
100
d) 125
Where an exporter receives advance payment (with or without interest), from a
buyer outside India, the exporter shall be under an obligation to ensure that the
shipment of goods is made within ____________ from the date of receipt of
advance.
a)
Three months
b) Six months
c)
one year
d) 15 months
AD Category I banks may consider granting permission to Indian exporters for
opening / hiring warehouses abroad, if the applicants export outstanding does
not exceed ______% of exports made during the previous financial year and the
applicant has a minimum export turnover of USD 100,000/- during the last
financial year.
a)
5
b) 10
c)
15
d) 20
Any export of Indian currency of value exceeding ________ except to the extent
permitted under any general permission granted by RBI, will require prior
permission of the Reserve Bank.
a)
Rs.5000
b) Rs.7500
c)
Rs.10000
d) Rs.25000
The SDF/PP forms should be submitted by the exporter to the Banker (AD
Category-1) within _____________ days.
a)
7
b) 14
c)
21
d) 30
If the exporter fails to arrange for delivery of the proceeds within ______ or seek
extension of time beyond ______, the matter should be reported to the Regional
Office of RBI.
a)
6 months, 12 months
b) 6 months, 9 months
c)
9 months, 12 months
d) 12 months, 12 months
The aggregate amount of write off allowed by the AD Category I (o/a unrealized
bills) banks during a financial year does not exceed ______ of the total export
proceeds realised by the exporter through the AD Category I banks during the
previous financial year.
a)
10 %
b) 15%
c)
20%
d) 25%
Status Holders exporters and manufacturer exporters exporting more than 50
per cent of their production and recognized as such by DGFT, are permitted to
write off outstanding export dues to the extent of______ % of their average
annual realization during the preceding three financial years or 10 per cent of the
export proceeds due during the financial year, whichever is higher.
a)
5
b) 10
c)
15
d) 20
Page 30 of 141
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
SBLC, MASULIPATNAM
Page 31 of 141
21.
22.
23.
24.
25.
26.
27.
SBLC, MASULIPATNAM
Page 32 of 141
29.
30.
31.
32.
33.
34.
SBLC, MASULIPATNAM
Page 33 of 141
36.
37.
38.
39.
40.
41.
42.
SBLC, MASULIPATNAM
SBLC, MASULIPATNAM
43.
44.
45.
46.
47.
48.
49.
50.
ANSWERS
1.
11.
21.
31.
41.
A
A
D
B
A
2.
12
22
32
42
C
A
A
D
C
3.
13.
23.
33.
43.
A
B
D
C
B
4.
14.
24.
34.
44.
B
C
C
D
A
5.
15.
25.
35.
45.
C
D
B
D
C
6.
16.
26.
36.
46.
D
D
A
C
D
Page 35 of 141
7.
17.
27.
37.
47.
A
A
D
B
C
8.
18.
28.
38.
48.
A
C
D
A
A
9.
19.
29.
39.
49.
D
A
D
C
A
10.
20.
30.
40.
50.
B
C
A
B
a
SBLC, MASULIPATNAM
DEPOSIT PRODUCTS
10
Which of the following are not true in respect of Multi Option Deposit Scheme
(a)
It can be linked either to
(b)
Min. Rs.10000 and in multiples
Current Account or Savings
of Rs.1000
Account
(c)
Subsequent deposits of
(d)
None of these
Rs.5000 and in multiples of
Rs.1000
What is the min. and max. Period for which MOD can be accepted ?
(a)
1 and 5 years
(b)
6 Months and 120 Months
(c)
7 days and 10 years
(d)
None of the above
The type of deposit that can be opened in MODS
(a)
TDR
(b)
STDR
(c)
Either a or b
(d)
None of the above
Corporate Liquid Term Deposit can be accepted for amounts of
(a)
Min Rs.50000 and in multiples (b)
Subsequent deposits Min.25000
of Rs.5000
and in multiples of Rs.5000
(c)
Both a and b are true
(d)
None of the above
Savings Plus is the combination of
(a)
SB and MODS
(b)
SB and CLTD
(c)
Current account and MODS
(d)
None of these
Which of the following are not true in respect of Savings Plus ?
(a)
Min. balance Rs.5000
(b)
Deposits matured will be rolled
over unless indicated otherwise
(c)
TDS is applicable for MODS
(d)
None of these
created
Withdrawals are permitted from Savings Plus Account through
(a)
Cheque
(b)
ATM
(c)
INB
(d)
All of the these
Which of the following are true in respect of Savings Plus account
(a)
No overdraft will be allowed
(b)
Deposits cannot be accepted as
against SBI MOD Deposits
margin for any NF business
(c)
Both are true
(d)
None of the above are true
Which of the following are true in case of Senior Citizen Deposit Scheme
(b)
Min. 1year and Max. 10 years
(a)
Objective is to provide
differential interest rate to
Senior Citizens
(c)
Min. Rs.10000 and in multiples (d)
All of these
of Rs.1000
Which of the following are not true in respect of Capgain Plus Scheme
(a)
Parking of capital gains for a
(b)
Min Rs.1000 in SB a/c and Min
max period of 3 years
Rs.5000 in TD Account
(d)
None of these
(c)
Deposit can neither be
accepted as margin nor as
collateral
Page 36 of 141
12
13
14
15
16
17
18
19
20
21
SBLC, MASULIPATNAM
Page 37 of 141
23
24
25
26
27
28
29
30
31
32
SBLC, MASULIPATNAM
Page 38 of 141
34
SBLC, MASULIPATNAM
35
36
37
38
39
40
41
42
Page 39 of 141
44
45
46
47
48
49
50
51
52
SBLC, MASULIPATNAM
Page 40 of 141
SBLC, MASULIPATNAM
The cap of 120 months on the tenor of term deposits is as per the guidelines
of _ _ _ _
(a)
RBI
(b)
IBA
(c)
Min. of Finance, GOI
(d)
None of these
Dishonor of electronic funds transfer has to be treated as dishonor of
negotiable instrument as per the provisions of ..
(a)
BR Act
(b) NI Act
(c)
Payment and Settlement
(d) None of these
Systems Act
Which of the following statement are incorrect
(a)
Witness has to be obtained in
(b)
Two witness signatures have to
all nomination forms
be obtained on nomination
forms given by illiterate persons
(c)
For E or S deposit account
(d)
Nomination should be in favor
nomination can be obtained
of an individual only
For Silver category of CSP account the gross monthly salary is between ____
and ___
(a)
Rs.7000 and Rs.10000
(b)
Rs.5000 and Rs.20000
(c)
Rs.5000 and Rs.10000
(d)
Rs.5000 and Rs.15000
For Gold category of CSP amount the gross monthly salary is between Rs._ _
_ _ _ and _ _ _ _ _
(a)
Rs.20000 and Rs.50000
(b)
Rs.20000 and Rs.30000
(c)
Rs.20000 and Rs.100000
(d)
Rs.20000 and Rs.40000
On pre-mature payment of deposits the reduction in waiver of penalty can be
permitted by ____
(a)
CGM of the circle
(b)
GM of the Network
(c)
DGM of the Module
(d)
No discretion
What is the minimum monthly pay out in CSP facility ?
(a)
Rs.1.25 lacs
(b)
Rs.1.50 lacs
(c)
Rs.2.00 lacs
(d)
Rs.5.00 lacs
For Diamond category of CSP account the gross monthly salary is between
____ and ___
(a)
Rs.50000 and Rs.100000
(b)
Rs.70000 and Rs.100000
(c)
Rs.20000 and Rs.50000
(d)
Rs.100000 and Rs.200000
54
55
56
57
58
59
60
ANSWERS
1
2
3
4
5
6
7
8
9
10
d
a
c
c
a
d
d
c
d
d
11
12
13
14
15
16
17
18
19
20
b
c
d
c
c
c
c
c
d
d
21
22
23
24
25
26
27
28
29
30
d
d
c
a
d
d
a
d
d
a
31
32
33
34
35
36
37
38
39
40
d
a
d
d
d
a
d
d
d
c
Page 41 of 141
41
42
43
44
45
46
47
48
49
50
c
c
d
a
d
c
a
a
a
a
51
52
53
54
55
56
57
58
59
60
a
c
b
c
a
b
a
d
a
a
SBLC, MASULIPATNAM
FOREIGN EXCHANGE
2.
3.
4.
5.
6.
7.
8.
9.
10.
12.
13.
14.
15.
16.
17.
18.
SBLC, MASULIPATNAM
Page 43 of 141
20.
21.
22.
23.
24.
SBLC, MASULIPATNAM
Page 44 of 141
26.
27.
28.
29.
30.
31.
32.
33.
SBLC, MASULIPATNAM
35.
36.
37.
38.
39.
40.
SBLC, MASULIPATNAM
SBI Express is a
A A remittance product for US & UK B A remittance product for Gulf NRIs
NRIs
C A remittance product for US NRIs D None of the above.
alone
SBI Express is presently being facilitated by
A GLS (Global Link Services)
B GMU (Global Markets Unit)
C OB,Mumbai
D Exchange companies in Gulf
Which of the following is true about SBI Express?
A In case of SBI customers, it is
B The maximum amount of
directly credited to the account.
remittance is Rs.10,00,000/- per
transaction.
D All the above.
C The maximum limit for
professionals to remit under the
scheme in a calendar year is
Rs.40 lacs.
SBI Express Remit is a product for
A US & UK NRIs
B US NRIs alone
C UK NRIs alone
D None
The remittance facility offered to Singapore NRIs is
A S-Remit
B e-Remit
C Express remit Singapore.
D None
RNOR (Resident but not ordinarily resident) is defined
A Under FEMA Act
B Under IT Act
C Defined by RBI
D Defined by ministry of finance.
A NRI after coming back to India got his NRE accounts converted into RFC
accounts. When he becomes NRI again
A The RFC accounts will become
B They will continue as RFC
NRE accounts
accounts.
C Either of the above as per his
D None of the above
choice
ANSWERS
1. c
11. c
21. a
31. d
2. c
12 a
22 c
32 b
3. c
13. b
23. a
33. a
4. d
14. c
24. b
34. b
5. a
15. d
25. b
35. a
6. a
16. d
26. b
36. d
Page 46 of 141
7. d
17. c
27. c
37. a
8. d
18. c
28. b
38. b
9. a
19. c
29. d
39. b
10. a
20. b
30. c
40. a
SBLC, MASULIPATNAM
2.
3.
4.
5.
6.
7.
8.
IBTS is
A Inter branch transfer system
B Inter branch transaction system
C Inter branch transfer scheme
D Inter branch transaction scheme
IBTS is meant for
A Inter branch transfers other than
B Inter Branch transfers including
SC/DDPs
SC/DDP
C Inter Branch transfers other than
D None of the above
staff purpose.
How many new BGL accounts have been created for IBTS purpose?
A 4
B 3
C 2
D 8
The purpose of IBTS is
A To ensure better control on inter
B To replace Branch Clearing General
Branch transactions.
Account (BCGA) as IBTS is self
reconciliation facility.
C Due to RBI compulsions.
D To enable faster realization of
SCs/DDPs
In IBTS, the transaction originated by the originating Branch
A Can be monitored till the same is B The other Branch should be
responded by other Branch.
responding instantly.
C The originating branch cant view D The controllers will be able to see
the status after originating
the status for follow up.
transaction.
The transaction originated by the originated Branch
A Should be accepted by the
B Can be accepted or declined by the
responding Branch.
responding Branch.
C Can be reversed by it at any point D Cant be reversed by the originating
of time.
Branch
The transaction originated by the originating Branch in IBTS
A Can be reversed by the
B Can be reversed by the originating
originating Branch at any point of
Branch on the same day without
time without the involvement of
involvement of the responding
the responding Branch.
Branch.
C Cant be reversed by the declining D None of the above.
Branch without getting declined
by the responding Branch.
Once the transaction in IBTS is declined by the responding Branch
A The originating Branch has no
B The originating Branch can either
option but to reverse it.
reverse or re-originate the same.
D Both (a) & (c)
C The originating Branch can only
re-originate the entry after
reversal.
Page 47 of 141
10.
11.
SBLC, MASULIPATNAM
ANSWERS
1
B 2 A 3 A 4 B 5
B 7 B 8 B 9 B 10 D
11 B
Page 48 of 141
SBLC, MASULIPATNAM
LEGAL ASPECTS
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
SBLC, MASULIPATNAM
Page 50 of 141
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
SBLC, MASULIPATNAM
Page 51 of 141
35.
36.
37.
38.
39.
40.
41.
42.
43.
44.
SBLC, MASULIPATNAM
What are the maximum and minimum stipulations for SLR to be maintained
by Banks as per BR Act?
a) Min: Nil & Max: 40%
b) Min:10% & Max:40%
c) Min:20% & Max:40%
d) Min:25% & Max: 40%
Mr.X has a Overdraft account of Rs.50,000/- drawn in full and is time
barred. He signs RL and also credits into account a sum of Rs.5,000/-.
Does this revive the limitation?
a) Yes
b) No
c) RL itself revives
d) The act of crediting the
account with Rs.5,000/- alone
can revive.
Father of a minor is convicted and imprisoned. Then the natural guardian of
the child will be
a) Mother
b) Elder brother
c) Paternal grand father
d) Father.
Unstamped document cant be rectified in case of
a) Mortgage deed
b) Sale deed
c) Partition deed
d) None of the above.
Within how many days the CPIO has to provide information under RTI Act?
b) 21 days
a) 20 days
c) 25 days
d) 30 days
Consumer protection act is not applicable to
b) Failure to issue draft
a) Failure to open accounts
c) Failure to accept small
d) Non-sanction of loans and
denominations & small coins
advances.
Inchoate instrument is
b) Instrument partially or fully
a) No proper name
destroyed
c) Incomplete instrument
d) Instrument not legible.
Which act governs issue of a probate of a will?
a) Indian contract act
b) NI act
d) Indian succession act
c) Transfer of property act
Bankers lien is available as per which act?
a) TP Act
b) SARFAESI Act
c) Indian contract Act
d) Limitation Act
Which document constitutes the foundation for settlement of a deceased
constituents accounts?
a) Legal heir certificate
b) Proper person certificate
c) Death certificate
d) Letter of administration.
Claytons rule is applicable in case of
a) Term loan & cash credit
b) Demand loan & overdraft
c) Term loan & overdraft
d) Cash credit & overdraft
45.
46.
Mortgage is defined in
a) Indian succession act
c) Contract act
SBLC, MASULIPATNAM
47.
48.
49.
50.
ANSWERS
1.
11.
21.
31.
41.
c
d
a
a
d
2.
12.
22.
32.
42.
d
a
b
d
c
3.
13.
23.
33.
43.
a
d
a
b
c
4.
14.
24.
34.
44.
c
a
a
a
d
5.
15.
25.
35.
45.
c
d
b
b
c
6.
16.
26.
36.
46.
d
b
b
d
b
7.
17.
27.
37.
47.
a
a
a
d
c
8.
18.
28.
38.
48.
d
b
a
d
a
9.
19.
29.
39.
49.
c
d
d
d
c
10.
20.
30.
40.
50.
* The term refers to the good faith reposed by the insurer on the facts mentioned in
the application form which the applicant warrants to be true. Hence all life insurance
contracts are uberrimae fides.
Page 53 of 141
d
b
d
c
c*
SBLC, MASULIPATNAM
REMITTANCES
Page 54 of 141
SBLC, MASULIPATNAM
12. Which of the following statements is not true in respect of Bank draft
a) If PAN is provided cash
b) Drafts of Rs.1,50,000/- and
transactions of Rs 50000/- and
above should be signed by two
above are permissible
officials
c) No Advice is sent for Drafts
d) Even If PAN is provided cash
transactions of Rs 50000/- and
below Rs 10 Lakh
above are not permissible
13. Inter Office Instrument (IOI) is a single running security form for issuing ___
a) Demand Draft
b) Associate Bank Draft
c) Bankers Cheque
d) All the above
14. BGL A/C 98602BBBBBC represents
a) IOI Account
b) IOI to be issued Account
c) Drafts Account
d) Bankers Cheque
15. BGL A/C 98505BBBBBC represents
a) IOI Account
b) IOI to be issued Account
c) Drafts Account
d) Bankers Cheque
16. Which of the following statements is not true in respect of IOI
a) Duplicate IOI can be issued
b) Duplicate IOI shall not be
by the issuing branch only.
hand written
c) Triplicate IOI cannot be
d) Triplicate IOI can be
issued
issued
17. Which of the following statements is not true in respect of IOI
a) Can be issued for all
b) Serial number of IOI will be
denominations including HC
a unique 12 digit number
series upto Rs.99,99,99,999/without any Circle prefix
c) Serial number of IOI will be
d) Instrument type for IOI is 16.
a unique 12 digit number with
Circle prefix
18. Which of the following statements is not true in respect of Bill of Exchange
a) A bill of exchange is a written
b) signed by the maker, directing
instrument containing
to pay a certain amount of money
an unconditional order,
only to a particular person, or to
the bearer of the instrument
c) It is a negotiable instrument
d) It is a negotiable instrument
drawn by the seller on the buyer
drawn by the buyer on the seller
for value of the goods delivered to
for value of the goods delivered
him.
to him.
19. Which of the following statements is not true in respect of Bill of Exchange
a) A demand bill is payable on
b) Clean Bills are accompanied by
demand whereas a Usance bill is
documents of title to goods
payable after a specified time.
c) Documentary Bills are supported d) Clean Bills are not accompanied
by Railway Receipt (RR) or Lorry
by documents of title to goods
Receipt (LR) or Bill of Lading (BL)
20. In case Blank IOI forms are lost during the transit from Printer to Circle
Stationary Department, such losses are to be reported by _______ to _____.
a) Branch to Central Stationery
b) Circle Stationery Department to
Department
Central Stationery Department
c) Central Stationery Department to d) None of the above
Circle Stationery Department
Page 55 of 141
SBLC, MASULIPATNAM
Page 56 of 141
SBLC, MASULIPATNAM
SBLC, MASULIPATNAM
38.
39.
40.
41.
42.
43.
44.
45.
46.
Page 58 of 141
SBLC, MASULIPATNAM
ANSWERS
1
11
21
31
41
d
b
a
b
d
2
12
22
32
42
d
d
c
b
b
3
13
23
33
43
b
d
a
b
c
4
14
24
34
44
b
a
b
d
a
5
15
25
35
45
d
b
b
b
b
6
16
26
36
46
b
d
a
d
a
Page 59 of 141
7
17
27
37
a
c
a
c
8
18
28
38
a
d
b
a
9
19
29
39
b
b
a
d
10
20
30
40
b
b
b
b
SBLC, MASULIPATNAM
ORGANISATIONAL STRUCTURE & BPR
10
12
13
14
15
16
17
18
19
20
21
SBLC, MASULIPATNAM
23
24
25
26
27
28
29
30
1
D
11
B
21
B
SBLC, MASULIPATNAM
3
C
13
C
23
C
4
D
14
D
24
A
5
D
15
B
25
A
6
B
16
D
26
C
Page 62 of 141
7
C
17
B
27
D
8
A
18
C
28
D
9
C
19
A
29
C
10
B
20
B
30
D
SBLC, MASULIPATNAM
10
Page 63 of 141
12
13
14
15
16
17
18
19
20
21
22
23
SBLC, MASULIPATNAM
Under SBI Loan to Affluent Pensioners what is the maximum amount that can
be sanctioned to pensioner and family pensioner respectively
a)
3 lacs and 1.50 lacs
b) 1 lac and 50,000/c)
2 lacs and 1 lac
d) 4 lacs and 2 lacs
The maximum amount that can be sanctioned against security of shares is
a)
5 lacs
b) 20 lacs in demat form and 10
lacs for physical shares
c)
50 lacs
d) No limit
The maximum Gold Loan amount that can be sanctioned under Per segment
a)
1 lac
b) 5 lacs
c)
10 lacs
d) No limit
What is the margin prescribed for advances against shares granted for the
purpose of acquiring new shares?
a)
50%
b) 40%
c)
33 1/3%
d) 75%
EMI should not exceed by ____ of pension in Affluent family pensioner loan
scheme.
a)
50%
b) 40%
c)
25%
d) 10%
Maximum repayment period permissible for a pensioner aged 71 years while
sanctioning a pension loan is
a)
24 months
b) 36 months
c)
48 months
d) 60 months
Maximum amount of loan that can be sanctioned to family pensioners
a)
25,000/b) 50,000/c)
75,000/d) 1,00,000/While sanctioning loan against TDR where none of the depositors are
borrowers of the loan against the same deposit, the following form is to
be obtained.
a)
A1
b) A2
c)
A3
d) A4
If outstandings of loan against shares exceed Rs ______the shares should be
transferred in Banks favour
a)
20 lacs in Demat form 10 lacs
b) 15 lacs
Physical
c)
20 lacs
d) 25 lacs
The surrender value of an LIC policy is Rs 10,000/-. How much loan can be
sanctioned?
a)
9,000/b
9,500/c)
10,000/d) 5,000/How much % of face value and accrued interests of an NSC can be
sanctioned as loan
a)
50%
b
60%
c)
75%
d) 85%
Maximum repayment period allowed for loan under Jai Jawan Pension loan
a)
48 months
b) 60 months
c)
84 months
d) 36 months
____ % margin should be met by pensioner while availing a pension loan?
a)
15%
b) 10%
c)
5%
d
No margin
Page 64 of 141
SBLC, MASULIPATNAM
24
Page 65 of 141
39
40
41
42
43
44
45
46
47
48
49
SBLC, MASULIPATNAM
For availing loan under SBI Education plus the applicant must be permanent
employee with____years of service?
a) 1
b) 2
c) 3
d) 5
The age of the applicant under SBI Education plus should be below
a) 45 years
b) 50 years
c) 60 years
d) 65 yeasrs
What is the minimum loan under SBI Education plus ?
a) 10000/b) 15000/c) 20000/d) 25000/What is the maximum loan under SBI Education plus?
a) 25000/b) 50000/c) 75000/d) 100000/What is the limit of Education loan that can be classified as priority sector
advance for studies in India?
a) 5 lakhs
b) 10 lakhs
c) 15 lakhs
d) 20 lakhs
What is the limit of education loan that can be classified as priority sector
advance for studies abroad?
b) 15 lakhs
a) 10 lakhs
c) 20 lakhs
d) 25 lakhs
What is the limit up to which education loans are eligible for interest subsidy
during moratorium for students from economically weaker sections with annual
gross parental/family income up to Rs.4.5 lakhs
a) 2 lakhs
b) 5 lakhs
c) 7 lakhs
d) 10 lakhs
Who is the competent authority for waiving third party guarantee for loans
above Rs.4 lacs and up to Rs.7.5 lacs
a) GM
b) AGM of CPC/ Region
c) DGM of the AO
d) None of the above
What is the repayment period of education loans sanctioned to wards of staff?
a) 60 months
b) 84 months
c) 108 months
d) 120 months after moratorium
Which of the following statements about SBI student loan is correct?
a) No qualifying marks stipulated in
b) Admission through management
the last qualifying examination
quota may be considered.
c) Evening courses of approved
d) All of these
institutes
Which courses are not eligible under SBI student loan scheme?
a) Vocational training & skill
b) Medical courses in
development study courses
USSR,China,Nepal &other
countries not recognized by
Medical council of India.
d) All of these
c) Courses conducted by
universities through distance
mode of learning.
What is the maximum no. of loans in a family under the scheme?
b) 2 only
a) 1
c) 3 only
d) No ceiling
Page 66 of 141
51
52
53
54
55
56
57
58
59
60
SBLC, MASULIPATNAM
2% penal interest to be charged for loans of Rs. ---- for the overdue amount
and overdue period?
a) 2 lacs
b) Above 2 lakhs
c) 4 lakhs
d) Above 4 lakhs
Which of the following expenses can be considered for arriving at loan
amount?
b) Expenses like study tours, project
a) Fee payable to college/hostel
including examination fee.
work, theses etc.
c) Purchase of computers
d) All of these
What is the repayment holiday/moratorium under SBI student loan?
a) Course period + 1 year
b) Course period + 6 months after
getting job
c) Course period only
d) Course period+ 1 year or 6
months after getting job whichever
is earlier
Loan applications under SBI student loan have to be disposed off within a
period of ---- days?
a) 7 days
b) 7 weeks
c) 9 days
d) 15 days
The processing of education loan applications should be monitored by the
controllers and RACPCs on ------ basis?
b) Weekly
a) Daily
c) Fortnightly
d) monthly
What is the maximum age limit prescribed for the students availing the loan?
a) 21 years
b) 25 years
c) 30 years
d) No age limit
Application for educational loan should not be rejected without the concurrence
of
a) BM
b) AGM
c) GM
d) Next higher authority.
No Dues Certificate need not be insisted upon as a pre-condition for
considering education loan.
a) True
b) False
c) Cant Say
d) None of these
Loan applications received and disposed off register should be properly
maintained
a) True
b) False
c) Cant Say
d) None of these
Our branches can issue the capability certificate for the students going abroad
for higher studies
a) True
b) False
c) Cant Say
d) None of these
Government of India has formulated a scheme of providing Interest Subsidy for
Education Loans of students of Economically Weaker Sections whose
parental/family gross Annual Income is up to Rs.__________
a) Rs.1.00 lac
b) Rs.2.50 lacs
c) Rs.3.00 lacs
d) Rs.4.50 lacs
Page 67 of 141
62
63
64
65
66
67
68
69
70
71
SBLC, MASULIPATNAM
Concession in interest for girl students availing SBI student loan and SBI
Scholar loan w.e.f. 02.03.09 is
a) 1 %
b) 0.75 %
c) No concession
d) 0.50 %
Maximum Loan Amount for Studies Abroad is
a) Rs 20 lacs
b) Rs 25 lacs
c) Rs 30 lacs
d) Rs 50 lacs
For the purpose of reporting Priority Sector Lending, loans upto Rs. ____ Lacs
for studies abroad will only be taken into consideration.
b) 25 lacs
a) 20 lacs
c) 30 lacs
d) 50 lacs
Under SBI Loan Scheme for Vocational Education and Training quantum of
finance for course duration upto 6 months is subject to the ceiling of
a) Rs 25,000/b) Rs 50,000/c) Rs 1,00,000/d) Rs 2,00,000/Under SBI Loan Scheme for Vocational Education and Training quantum of
finance for course duration above 6 months is subject to the ceiling of
a) Rs 50,000/b) Rs 1,00,000/c) Rs 2,00,000/d) Rs 2,50,000/The margin % stipulated under SBI Loan Scheme for Vocational Education
and Training
b) 10%
a) 5%
c) 15%
d) NIL
Moratorium Period under SBI Loan Scheme for Vocational Education and
Courses Training, of duration up to 6 months
a) 3 months from the completion
b) 6 months from the completion of
of the course
the course
c) 9 months from the completion of d) 12 months from the completion of
the course
the course
Moratorium Period under SBI Loan Scheme for Vocational Education and
Courses Training, of duration above 6 months
b) 6 months from the completion of
a) 3 months from the completion of
the course
the course
c) 9 months from the completion of d) 12 months from the completion of
the course
the course
Repayment Period under SBI Loan Scheme for Vocational Education and
Courses Training, of duration up to 6 months
a) 3 years
b) 5 years
c) 7 years
d) 10 years
Repayment Period under SBI Loan Scheme for Vocational Education and
Courses Training, of duration above 6 months
a) 3 years
b) 5 years
c) 7 years
d) 10 years
Under SBI Scholar Loan scheme, enhanced maximum loan limit without any
tangible collateral, only Parent/ Guardian as co-borrower for List A, B and C
category institutes are ___________ Respectively.
a) Rs15lacs, Rs10lacs, Rs7.50 lacs b) Rs 20 lacs, Rs15lacs, Rs 10 lacs
c) Rs25lacs, Rs20lacs, Rs 12.5lacs d) Rs30lacs, Rs20lacs, Rs15 lacs
Page 68 of 141
73
74
75
SBLC, MASULIPATNAM
Under SBI Scholar Loan scheme, enhanced maximum loan limit with tangible
collateral of full value for List A, B and C category institutes are ___________
respectively.
a) Rs15lacs, Rs10lacs, Rs7.50lacs
b) Rs20lacs, Rs15lacs & Rs 10 lacs
c) Rs25lacs, Rs20lacs, Rs12.5lacs
d) Rs30lacs, Rs20lacs, Rs 15 lacs
Under Xpress Credit Loan Scheme, the maximum loan amount for
School Teachers shall be a maximum of.
a) 6 months Gross Salary
b) 12 months Gross Salary
c) 18 months Gross Salary
d) 24 months Gross Salary
Apart from PAN Verification, the Xpress Credit proposals should be processed
through LOS without any exception to ensure
b) Validation under Risk Scoring
a) CIBIL Defaulters
c) De-dupe Check
d) All of these
Respective RM, RBO to the DGM(B&O) will certify _______ that all Control
Returns in respect of Xpress Credit Loans sanctioned by the Branches
under their control up to the end of previous month have been scrutinized and
found in order.
a) Monthly
b) Bi-monthly
c) Quarterly
d) Half yearly
ANSWERS
1
11
21
31
41
51
61
71
B
A
B
B
D
D
D
B
2
12
22
32
42
52
62
72
D
B
C
A
B
D
C
D
3
13
23
33
43
53
63
73
D
C
D
D
C
D
A
A
4
14
24
34
44
54
64
74
C
A
B
D
D
B
B
D
5
15
25
35
45
55
65
75
C
C
B
A
B
D
B
A
6
16
26
36
46
56
66
C
A
B
D
D
D
D
Page 69 of 141
7
17
27
37
47
57
67
A
B
B
D
D
A
B
8
18
28
38
48
58
68
B
B
C
B
D
A
D
9
19
29
39
49
59
69
B
A
A
A
D
A
A
10
20
30
40
50
60
70
C
B
C
D
D
D
B
SBLC, MASULIPATNAM
SBI HOUSING LOAN SCHEME
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
The maximum age limit of the applicant for sanctioning housing loan under SBI
Yuva Home loan scheme is
a)
45 years
b) 30 years
c)
40 years
d) 25 years
In the case of residential complexes what is the permissible moratorium period
for the 14th floor of an apartment.
a)
6 months
b) 12 months
c)
18 months
d) 24 months
Which of the following is true with regard to CRE Home Loans
a)
Maximum loan tenor will be 25
b) Exposure for the third house
years.
onwards will be classified as a
CRE Home Loan
c)
Interest is 0.25% more than the
d) a, b & c are correct
normal rate
For staff Housing purpose maximum how many months repayment can be
allowed for a Gold loan?
a)
36 months
b) 48 months
c)
50 months
d) 60 months
Maximum loan that can be sanctioned under SBI realty
a)
1 Cr
b) 2 Cr
c)
5 Cr
d) 10 Cr
Maximum repayment period allowed under SBI Realty
a)
60 months
b) 120 months
c)
180 months
d) 240 months
Under reverse mortgage loan how much % of the value of the property is
sanctioned?
a)
60%
b) 75%
c)
90%
d) 100%
The target group of loans under Sahayog Niwas
a)
Tribals
b) High net-worth business people
c)
SHGs
d) Cooperative societies
Under Sahayog Niwas how much loan per head is sanction for repairs
a)
Rs 25,000/b) Rs 50,000/c)
Rs 1,00,000/d) Rs 2,00,000/For how many years an employee should be staying abroad for sanction of
NRI Housing loans?
a
1 year
b
2 years
c
3 years
d
5 years
What is the minimum amount of loan under SBI Reverse Mortgage Loan
a
1 lac
b
3 lacs
c
5 lacs
d
No minimum
Borrowers availing loans upto Rs_____ can opt for paying interest either at
fixed rate or floating rate
a
Rs 75 lacs
b
Rs 100 lacs
c
Rs 200 lacs
d
No fixed rate of Interest scheme
Page 70 of 141
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
SBLC, MASULIPATNAM
Page 71 of 141
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.
SBLC, MASULIPATNAM
The project cost of the Housing may consist cost of furnishing consumer
durables to an extent of
a
10% subject to max of Rs 3 lacs b
10 % subject to max of Rs 5 lacs
c
15% subject of Max 2 lacs
d
15% subject to max of 3 lacs
What is the permissible EMI/NMI ratio for an annual income of more than Rs
10 lacs
a
50%
b
55%
c
60%
d
65%
Which of the following Housing loan variants is not withdrawn
a
SBI Tribal plus
b
SBI Flexi home loan
c
SBI Freedom
d
SBI Optima
In the case of tie up with builders, joint publicity expenditure towards the cost of
advertisement material etc., shall be shared with the builder subject to a
maximum of ____% of the expenditure incurred
a
30%
b
40%
c
25%
d
50%
Maximum moratorium period allowed in housing loans
a
18 months
b
24 months
c
30 months
d
36 months
Which of the following gets included in the project cost in Housing loans?
a
Cost of site
b
Cost of Stamping
c
Cost of Registration
d
All of these
The outstandings in Home loans to NRIs should be liquidated before the
borrower reaches
a
60 years
b
70 years
c
75 years
d
80 years
What is the LTV Ratio in the case of house for ready possession where the
Home Loan is for above RS.20 lacs?
a
75%
b
80%
c
85%
d
90%
If the proposal is strictly within the scheme, no administrative clearance is
required for loan proposals up to Rs ____
a
1 cr
b
2 cr
c
7.5 cr
d
10 cr
Processing fee to be recovered for housing loan sanctioned under Sahayog
Niwas
a
0.50% of the loan amount
b
1000/- per loan
c
0.25% of the loan amount
d
None of these
What is the minimum limit amount under SBI Home loan PAL (Pre approved
loan)
a
10 lacs
b
20 lacs
c
25 lacs
d
30 lacs
Which of the following Home loan variants is not withdrawn
a
SBI Maxgain
b
SBI Flexi Home Loan
c
SBI Easy Home Loan
d
SBI Optima
What is the maximum amount that can be sanctioned under SBI Realty
a
1 crore
b
5 crore
c
10 crore
d
No limit
Page 72 of 141
41.
42.
43.
44.
45.
46.
47.
48.
49.
50.
51.
52.
53.
SBLC, MASULIPATNAM
55.
56.
57.
58.
59.
60.
61.
62.
63.
64.
SBLC, MASULIPATNAM
SBI Home plus can be availed for how many times during the currency of the
Housing loan?
a
5 times
b
4 times
c
3 times
d
2 times
To be eligible under Platinum age limit minimum margin stipulated is
a
20%
b
20%
c
25%
d
30%
Under CRE home loans Provision on standard assets to be made at
a
0.40%
b
1%
c
0.75%
d
0.65%
Under SBI Realty what is the minimum margin for a loan of Rs 1 Cr
a
15%
b
20%
c
25%
d
30%
The minimum periodicity stipulated for Inspection of NPA housing loan
accounts
a
monthly
b
quarterly
c
Half yearly
d
Every week
Maximum amount that can be sanctioned under Tribal plus
a
5 lacs
b
10 lacs
c
20 lacs
d
No limit stipulated
Which of the following is not true in respect of SBI Realty loans for above
Rs.50 lacs
a
Independent valuation of the b
To obtain two title search reports
property by two empanelled
from different lawyers one
valuers and lower of the two
before loan
sanction, and one
valuations will be considered for
before disbursement
loan assessment.
c
One CIBIL Credit Information d
Neither a) nor b) true
Report on the borrower is
sufficient which is obtained as
part of loan sanction process
The revised Home Loan Counsellor remuneration structure is
a
0.25% of the loan amount, b
Rs.25000/- per proposal
maximum
Rs.25000/per
proposal
c
Rs.10000/- per proposal
d
0.15% of the loan amount , max
Rs.10000/- per proposal
SBI Home loan PAL(Pre approved limit) facility is available
a
At all branches of SBI
b
At metro branches only
c
At RACPC only
d
At selected Brs. as approved by
Controllers only
Minimum size of the housing loan under SBI Home loan PAL is
a
Rs.25 lacs
b
Rs.10 lacs
c
Rs.35 lacs
d
Rs.20 lacs
Pre Approved loan arrangement letter (PLAL) under SBI Home Loan PAL
facility is valid for----- months
a
2
b
3
c
1
d
6
Page 74 of 141
66.
67.
68.
69.
70.
71.
72.
73.
74.
SBLC, MASULIPATNAM
Page 75 of 141
76.
77.
78.
79.
80.
81.
82.
83.
84.
SBLC, MASULIPATNAM
86.
87.
88.
89.
90.
91.
92.
93.
94.
SBLC, MASULIPATNAM
Page 77 of 141
96.
97.
98.
99.
100.
101.
102.
103.
104.
105.
106.
SBLC, MASULIPATNAM
Under Reverse Mortgage Loan Scheme the loan amount can be disbursed as
lump sum amount to ___ % of the limit
a) 25
b) 35
c) 40
d) 50
In the case of the death of the borrower under Reverse Mortgage Loan
Scheme the outstanding will be liquidated by
b) Legal heirs can settle the loan
a) Selling of the House
c) (a) or (b)
d) Declared as Banks property
The minimum age of the borrower under Reverse Mortgage Loan Scheme is
a) 60 Years
b) Above 60 Years
c) 58 Years
d) 55 Years
The residual life of the property to be obtained as security under Reverse
Mortgage Loan Scheme in the case of single borrower is ______ Years
a) 60 Years
b) 58 Years
c) 20 Years
d) 25 Years
The residual life of the property to be obtained as security under Reverse
Mortgage Loan Scheme in the case of spouse being below 60 Years of age
______ Years
b) 58 Years
a) 60 Years
c) 20 Years
d) 25 Years
The tenor of the loan under Reverse Mortgage Loan Scheme when the age of
the younger of the borrowers is between 58 and upto 68 years of age is _____
Years or till be death of the borrower (s), whichever is earlier.
b) 10 Years
a) 15 Years
c) 20 Years
d) 25 Years
The tenor of the loan under Reverse Mortgage Loan Scheme when the age of
the younger of the borrowers is above 68 years of age is _____ Years or till be
death of the borrower (s), whichever is earlier.
b) 10 Years
a) 15 Years
c) 20 Years
d) 25 Years
Quantum of loan under Reverse Mortgage Loan Scheme would be ____ % of
the value of the property
a) 65
b) 75
c) 85
d) 90
Quantum of loan under Reverse Mortgage Loan Scheme is inclusive of
a) Interest for one year
b) Processing charges
c) Interest till maturity of the loan
d) None of these
Maximum quantum of loan under Reverse Mortgage Loan Scheme
a) Rs.10.00 lacs
b) Rs.25.00 lacs
c) Rs.100.00 lacs
d) No ceiling
Pre-payment penalty of the loan during the tenure of the loan under Reverse
Mortgage Loan Scheme is
a) 0.75 %
b) 1.00 %
c) 1.50 % of pre paid amount
d) No prepayment penalty
Processing fee under Reverse Mortgage Loan Scheme is
a) 1.00 % of loan amount
b) 0.50 % of the loan amount
c) No processing charges
d) None of these
Page 78 of 141
SBLC, MASULIPATNAM
Page 79 of 141
SBLC, MASULIPATNAM
ANSWERS
1
11
21
31
41
51
61
71
81
91
101
111
a 2 d 3 d 4 d 5 d 6 b 7
b 12 a 13 d 14 a 15 d 16 a 17
b 22 a 23 b 24 a 25 b 26 d 27
d 32 d 33 a 34 b 35 c 36 d 37
c 42 a 43 c 44 a 45 a 46 d 47
c 52 b 53 b 54 d 55 d 56 b 57
a 62 c 63 b 64 a 65 c 66 d 67
d 72 b 73 a 74 a 75 c 76 c 77
b 82 c 83 c 84 c 85 a 86 b 87
b 92 b 93 a 94 b 95 d 96 c 97
b 102 d 103 c 104 c 105 d 106 b 107
c 112 b 113 b 114 b 115 a 116 b
Page 80 of 141
c 8
c 18
a 28
a 38
b 48
c 58
c 68
d 78
c 88
b 98
c 108
c 9
b 19
d 29
a 39
c 49
c 59
b 69
c 79
a 89
c 99
b 109
a 10 b
a 20 d
a 30 a
c 40 b
c 50 a
b 60 c
b 70 a
a 80 b
c 90 b
d 100 a
b 110 a
SBLC, MASULIPATNAM
CAR LOAN
3.
4.
5.
6.
7.
8.
9.
10.
11.
Page 81 of 141
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
SBLC, MASULIPATNAM
The maximum car loan amount that can be granted to Self Employed,
Professionals and businessmens etc, is restricted to ---------------- times of Net
Annual Income/Net Profit/Gross Taxable Income
a)
2
b) 2.50
c)
3
d) 4
For a car loan applicant having a Net Annual Income up to Rs.5 lacs, the
EMI/NMI ratio should not exceed_______
a)
50%
b) 60%
c)
70%
d) 75%
For a car loan applicant having a Net Annual Income above Rs.5 lacs and up
to Rs.10 lacs, the EMI/NMI ratio should not exceed_______
a)
55%
b) 50%
c)
70%
d) 75%
For a car loan applicant having a Net Annual Income above Rs.10 lacs, the
EMI/NMI ratio should not exceed_______
a)
50%
b) 75%
c)
70%
d) 60%
The margin for a car loan on On road Price of the vehicle would be _____
a)
5%
b) 10%
c)
15%
d) 25%
While considering a car loan, the maximum cost of accessories should not
exceed -------%of the cost of vehicle or Rs.____________ whichever is less.
a)
5% or Rs. 50,000/b) 5% or Rs. 30,000/c)
5% or Rs. 50,000/d) 5% or Rs. 75,000/What is maximum repayment period allowed for a car loan?
a)
3 years
b) 5 years
c)
7 years
d) 10 years
If a car loan is sanctioned as Overdraft account, the differential rate of
interest would be ______
a)
0.50% above the applicable b) 0.50% below the applicable rate
rate for TL
for TL
c)
1% above the applicable rate d) Same as the rate applicable to
for TL
TL
In respect of a car loan, if the irregularity exceeds EMI, for a period of-----------, then the penal interest would be charged @2% p.a. (over and above the
applicable interest rate) on the------------------- for the period of default.
a)
One month/ overdue amount
b) 3 months/ overdue amount
c)
3 months/ outstanding amount d) One month/ outstanding amount
The processing fee for a car loan is 0.51% of the loan amount subject to a
minimum and maximum of ________
a)
Rs.500 & Rs.5000
b) Rs.1020 & Rs.10200
c)
Rs.1000 & Rs.5000
d) Rs.5000 & Rs.10000
If a car application is rejected after pre-sanction survey ------- % of the
Processing Fee will be retained subject to Minimum of Rs. 510/- and
maximum of Rs.2550/-.
a)
25%
b) 50%
c)
60%
d) 75%
Page 82 of 141
24.
25.
26.
27.
28.
29.
30.
31.
32.
SBLC, MASULIPATNAM
For car loan applicants other than agriculturists, I T Return/ Form 16 for the
last _______ years should be obtained.
a)
One year
b) 2 years
c)
3 years
d) 5 years
Takeover of car loans will be considered selectively subject to which of the
following conditions?
a)
The vehicle is not more than 2 b) The account of the borrower with
the other bank is a Standard
years old, It is a single
ownership vehicle & no
Asset
insurance claim has been
availed
c)
The loan should be repaid d) All the above
within 7 years from the date of
the original purchase of the
vehicle
We may also reimburse finance for the cars purchased out of own funds,
which are not more than ------------- old.
a)
3 months
b) 6 months
c)
12 months
d) 24 months
Presently the maximum time schedule for receipt of application and
sanction/disbursal of a car loan is days.
a)
2 days
b) 5 days
c)
7 days
d) 15 days
What is the pre-payment penalty for a car loan?
a)
1% of outstanding
b) 2% of outstanding
c)
5% of outstanding
d) No penalty
For car dealer sales executives, the incentive would be paid at _____ rate for
the loan applications sourced by them.
a)
0.25% of the loan amount b) 0.50% of the loan amount
(maximum Rs.3000/-)
(maximum Rs.3000/-)
c)
0.25% of the loan amount d) 0.50% of the loan amount
(maximum Rs.5000/-)
(maximum Rs.10000/-)
Who of the following can be appointed as Auto Loan Counselors?
a)
Retired SBI Officers
b) SBI Customers and others with
certain qualifications
c)
Car Dealers
d) A & b above
Auto Loan Counselors will be paid an incentive of _______ of the car loan
amount for the proposal sourced and sanctioned.
a)
0.1%
b) 0.2%
c)
1%
d) 2%
What is the maximum loan amount for new car loans?
a) 15 lakhs
b) 25 lakhs
c) 50 lakhs
d) No ceiling
What is the maximum loan amount for used car loans?
a) 5 lakhs
b) 10 lakhs
c) 15 lakhs
d) 20 lakhs
Page 83 of 141
35.
36.
37.
38.
39.
40.
41.
42.
43.
44.
SBLC, MASULIPATNAM
What is the minimum NAI for pensioners to apply for a car loan?
a) 75000/b) 300000/c) 150000/d) 175000/What is the repayment cycle in car loans?
a) 10th for loans disbursed upto b) 20th for loans disbursed after 16th
15th of month
of the month
c) (a) and (b) are correct
d) End of the month
Which mode of disbursement is correct in case of car loans?
a) Direct credit into dealers b) Through RTGS/NEFT if dealer
account, if dealer maintains
maintain their account with other
their account with us
banks.
c) Through DD/BC
d) (a) and (b) are correct
What types of facilities are available under SBI Combo Loan Scheme?
a) Only OD
b) Composite Term Loan
c) Only TL
d) Both TL & OD
What is the repayment period of used cars?
a) 5 Years
b) 7 Years
c) 7 Years from the date of original d) 5 years from the date of original
purchase
purchase.
The maximum car loan amount that canb be granted to agriculturist pesons is
restricted to _____________ times of Net Annual Income
a) 2 times NAI
b) 4 times of NAI
c) 2.5 times NAI
d) 3 times of NAI
What is the margin of the borrower in case of car loans?
a) 5%
b) 10%
c) 15%
d) 25%
Where a check-off from the reputed employer is available the sanctioning
authority has discretion to reduce the margin by ---%
a) 1%
b) 2%
c) 3%
d) 5%
Recently bank entered tie-up with the following agency for seizure of car
loan.
a) TATA Motors
b) Maruti True value
c) SAMIL (Shrirama Automall India d) None of the above
Ltd)
Advantage Car loan is sanctioned for amounts
a) Above 5 lakhs
b) 5 lakhs
c) Below 5 lakhs
d) Scheme since dispensed with
What is the minimum credit score for considering the proposals good loans
(clean sanction)
a) 45 & above
b) 50 & above
c) 76 & above
d) 60 & above
What is the minimum EMI/NMI percent in case of car loan applicant having
NAI upto Rs.5 lacs?
a) 40%
b) 50%
c) 55%
d) 60%
Page 84 of 141
46.
47.
48.
49.
50.
51.
52.
53.
54.
55.
56.
57.
SBLC, MASULIPATNAM
What is the EMI/NMI percent for car loans in case of tie-ups with reputed
PSU/Corporate institutions for applicants with Net Annual Income upto Rs.5
lacs?
a) 40%
b) 50%
c) Since withdrwan
d) 70%
Which of the repayment method is correct in case of car loan sanctioned to
agriculturists.
a) Half year installments
b) EMI method
c) Yearly installments
d) As per Agriculture Harvesting
year
Under SBI Combo Loan scheme, the following loans can be sanctioned at a
time.
a) Car and Tractor
b) 2 Cars
c) Car and 3 wheeler
d) Car and Two wheeler
Insurance of the car is done in the name of borrower?
a) Comprehensive insurance for b) At least 10% above loan amount
market value
c) Higher of a or b
d) None of these
The income of the following can be clubbed with that of the applicant for a car
loan?
a) Spouse
b) Father, Mother
c) Brother, sister
d) Any of these
How many applicants can be there in a car loan?
a) Only1
b) Up to 2
c) Up to 3
d) Up to 4
What is the maximum cost of accessories to be financed?
a) 5% of the cost of vehicle
b) Rs.50000/c) Lower of a or b
d) Only a
What is the minimum of processing charges of car loan?
a) 500/b) 1020/c) 2000/d) 2500/What is the maximum of processing charges of car loan?
a) 5000/b) 10200/c) 15000/d) 20000/What is the percent of processing charges for a car loan?
a) 1%
b) 0.75%
c) 0.51%
d) 0.25%
In the case of short-term promotional drives, the G. M. Of Network can
reduce the processing fee of car loans up to?
a) 25%
b) 50%
c) 75%
d) 100%
What percent of processing fee will be retained if the application is rejected
after pre-sanction?
a) 25%
b) 50%
c) 75%
d) 100%
As per recent instructions, the loan tenor of a car loan can be extended upto
_______ years if interest rates on the existing loans go up and the EMIs are
left unchanged.
a) 8 years
b) 9 years
c) 10 years
d) 12 years
Page 85 of 141
62.
63.
64.
65.
66.
67.
68.
69.
70.
SBLC, MASULIPATNAM
Page 86 of 141
SBLC, MASULIPATNAM
ANSWERS
1
11
21
31
41
51
61
d
d
b
d
c
c
a
2
12
22
32
42
52
62
d
d
a
c
d
b
b
3
13
23
33
43
53
63
c
a
b
b
c
b
c
4
14
24
34
44
54
64
c
b
d
c
b
c
a
5
15
25
35
45
55
65
c
d
a
d
c
b
d
6
16
26
36
46
56
66
d
c
a
c
b
a
a
Page 87 of 141
7
17
27
37
47
57
67
d
a
d
c
d
a
d
8
18
28
38
48
58
68
d
c
a
d
c
a
c
9
19
29
39
49
59
69
d
d
d
c
d
b
c
10
20
30
40
50
60
70
d
a
b
d
b
c
b
SBLC, MASULIPATNAM
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
SBLC, MASULIPATNAM
Page 89 of 141
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.
40.
SBLC, MASULIPATNAM
Name the of the Register to record exchange of Cash between SWOs in Cash
Dept.
a) Cash Transfer Register
b) Cash Receipts Delivery Register
c) Cash Officers Jotting Book
d) Cash Transaction Register
What type of insurance cover is obtained for Cash Remittances?
a) Comprehensive insurance cover
b) Fidelity Insurance cover
c) Transit Insurance cover
d) None of these
As per the latest instructions of the RBI, FIR has to be lodged in case of Fake
Currency notes, if the no. of notes is:
a) More than 5
b) More than 4
c) Less than 5
d) More than 6
Days net Withdrawal/ Deposit to reported to FSLO through
a) ICCOMS
b) IFAMS
c) Fax
d) email
Verification of Currency Chest balances by officials other than Joint custodian is
done at___________ intervals
a) Once in a month
b) Once in 2 months
c) No periodicity stipulated
d) Once in a quarter
Surprise verification of Critical Currency Chests is made by LHO at
b) Quarterly Interval
a) Monthly Interval
c) Half Yearly Interval
d) No periodicity stipulated
Which of the following is true when remittance is sent from one currency chest
to another currency chest?
b) Branch Cash Balance is debited
a) Branch Cash Balance is credited
and RBIs Account is debited
and RBIs Account is credited
c) No Entry is passed
d)
Charges towards police escorts, transport etc. for chest to chest remittances of
treasure is
b) Paid by RBI
a) Borne by Bank
c) Paid initially by Bank, then
d) None of these
reimbursed by RBI
Repository is part of
a) Branch Cash Balance
b) Currency Chest
c) Small Coin Depot
d) None of these
Printing & Circulation of forged Indian currency notes is an offence u/s
a) Sec 292 of Criminal Procedure
b) Sec 489A to 489E of Indian Penal
Code
Code
c) Both
d) None
Forged Note Vigilance Cell (FNVC) of the bank is required to submit data on
counterfeit notes detected during a month on all India basis by email to
____before the end of succeeding month
a) RBI Issue Office
b) FIU-IND, New Delhi
c) National Crime Records Bureau,
d) Currency Management Dept. of
New Delhi
RBI, Mumbai
Fidelity insurance cover for single window operator is obtained for
a) Rs 1 Lakh
b) Rs 2 Lakh
c) Rs 5 lakh
d) Rs 8 Lakh
Recounting of note packets is not required for denominations upto
a) Rs 50/b) Rs 100/c) Rs 500/d) All note packets to be recounted
Page 90 of 141
42.
43.
44.
45.
46.
47.
48.
49.
50.
51.
SBLC, MASULIPATNAM
Who will be responsible for tampered bundles / note packets kept in the vault?
a) Cash-in-Charge alone
b) Joint Custodian of Vault
c) Accountant alone
d) Branch Head alone
In respect of soiled notes bundles prepared for remittance to RBI, who is/are
responsible for Quality & Quantity of notes in the bundle
a) Person preparing the bundle
b) Cash-in-charge
c) Accountant
d) Joint Custodian
Mahesh, single window operator, reported shortage of cash of Rs 5000/- in his
counter on 3rd Jan 2014. He is also not in position to deposit the same.
Shortage will be made good by debit to
a) Suspense A/c
b) System Suspense A/c Originating
Debit
c) Recalled Asset A/c
d) Charges A/c
Ceiling for petty cash expense is
a) Rs.100/b) Rs.25/c) Rs.50/d) Rs.49/Petty Cash should be checked by ____________ at _____________ interval
a) BM, Monthly Irregular
b) Accountant, Regular
c) RM, Monthly
d) BM, Fortnightly
Which of the following is not true regarding In- Branch Cash Handling Process?
a) Size of the aluminium box should b) Each SWO/Asstt. Cash is provided
be 14X11X4 size
with an aluminium box having
Overnight cash retention
limit of Rs 1.00 lakh
c) Every day, in the beginning,
d) This process will reduce the time
Cash-in-Charge verifies the
spent by the Cash Officer/Cashiercontents of Cash box on the
in-charge/SWO/Assistant
basis of system generated
(Cash) in handing over and
random list
receiving cash at the
beginning/close of the day
Safe deposit receipt relating to deposit of duplicate keys is entered in BD
register and the safe deposit receipt is held by _________________
a) Accountant outside the strong
b) Accountant inside the strong room
room
c) BM outside the strong room
d) BM inside the strong room
One Re coin is issued under _______ act
a) Coinage Act, 1906
b) RBI
c) SBI
d) BR Act
Currency Notes are printed at
a) Nasik, Dewas, Mysore & Salboni b) Nasik, Pune, Indore & Kanpur
c) Nasik, Pune, Dehradun &Mysore d) Nasik, Hissar, Salboni & Pune
Cash retention limit of the branch will be reviewed by _________ every year in
the month of__________
a) RM or CM (Admin), May
b) CM (Admin), May
c) Regional Manager, Nov
d) RM or CM (Admin), Nov
RBI has extended the date of exchange pre-2005 bank notes to ?
a) 01 March, 2016
b) 01 January, 2015
c) 30 June, 2015
d) None of the above
Page 91 of 141
53
54.
55
SBLC, MASULIPATNAM
The Controller of the branches will arrange for periodical cash verification of
Hand Balance Branches ____
(a) at half yearly interval by the
(b)
By the Branch Manager of the
Branch Managers of nearby
Branch
branches
(c) No need for verification
(d)
None of the above
The coverage of cash-in transit insurance will be limited to _____?
(a) The cash retention limit of the
(b)
Upto 50,00,000/branch.
(d)
None of the above
(c) Upto 49,00,000/What is Shrink Wrapping in Cash Department?
(a) While sending soiled remittance (b)
While sending soiled remittance
to RBI Wrapping 1000 pieces in
to RBI packing 10 packets of 100
a bundle instead of packing 10
pieces in a bundle
packets of 100 pieces in a
bundle
While sending Soiled Note Remittance to RBI, remittance should sent in
multiples of________?
(b)
Rs.50000/(a) Rs.100000/(c) Rs.500/(d)
None of the above
ANSWERS
1.
11.
21.
31.
41.
51.
B
B
C
B
B
B
2.
12.
22.
32.
42.
52
C
C
C
B
A
A
3.
13.
23.
33.
43.
53.
A
C
B
B
C
A
4.
14.
24.
34.
44.
54.
C
C
A
C
C
A
5.
15.
25.
35.
45.
55
C
A
C
C
A
B
6.
16.
26.
36.
46.
C
A
B
B
C
Page 92 of 141
7.
17.
27.
37.
47.
C
C
B
B
C
8.
18.
28.
38.
48.
D
B
B
D
A
9.
19.
29.
39.
49.
B
A
C
C
A
10.
20.
30.
40.
50.
B
A
B
B
A
SBLC, MASULIPATNAM
GOVERNMENT BUSINESS
10
11
12
Page 93 of 141
14
15
16
17
18
19
20
21
22
23
24
SBLC, MASULIPATNAM
Min and Maximum amount that can be accepted under Senior Citizen Savings
Scheme 2004
(a)
Min Rs.1000 and Max Rs.15
(b)
Min Rs.10000 and Max Rs.15
lacs
lacs
(c)
Any amount can deposited
(d)
None of the above
What is the maximum amount of deposit that can be accepted in cash under
Senior Citizen Savings Scheme 2004
(a)
100000
(b)
500000
(c)
1500000
(d)
No cash is accepted
Deposits under Senior Citizen Savings Scheme 2004 is accepted for a
maximum period of
(a)
3 years
(b)
5 years
(c)
5 years and extension by 3
(d)
None of the above
more years
What is the time limit within which Govt Transactions are to be settled with Govt
of India
(a)
T+3 working days where
(b)
T+5 working days where Dealing
Dealing Branch and FPLB are
Branch and FPLB are different
at the same centre
centres
(c)
Both a & b are true
(d)
None of these
CBDT transactions to be settled within
(a)
T+3 working days irrespective
(b)
T+5 working days
of location
(c)
T+1 working day
(d)
None of the above
All Govt Transactions through e-mode to be settled within
(a)
T+1 day
(b)
T+3 days
(c)
T+5 days
(d)
None of the above
Penalty rate for delay in settlement of Govt Transactions beyond permitted
period is
(a)
At Bank Rate
(b)
Bank Rate+1%
(c)
Bank Rate + 2%
(d)
None of the above
What is the expansion of EASIEST
(a)
Electronic Accounting System
(b)
Electronic Accounting Standards
in Excise and Service Tax
in Excise and Service Tax
(c)
Eectronical Accounts Services (d)
None of the above
in Excise and Sales Tax
Challan format to be used for CBEC credits is
(a)
GAR 7
(b)
ITS 280
(c)
GAR 9
(d)
None of the above
Settlement of State Govt transactions with regional office of RBI is the
responsibility of
(a)
GAD
(b)
FLSO
(c)
FSLO
(d)
None of the above
GBSS has been launched w.e.f.
(a)
01.1.2009
(b)
01.02.2009
(c)
01.03.2009
(d)
None of the above
Which of the following are not true with regard to e-Focal Point Link branches
(a)
e-FPB for CBDT Bangalore
(b)
e-FPB for Central Excise World
Main Branch
University Service Centre Branch,
Chennai
Page 94 of 141
SBLC, MASULIPATNAM
(c)
25
26
27
28
29
30
31
32
33
34
35
Page 95 of 141
37
38
39
SBLC, MASULIPATNAM
1
11
21
31
c 2
c 12
a 22
b 32
c
c
c
a
3
13
23
33
b
a
b
b
4
14
24
34
b
a
d
b
5
15
25
35
b
c
d
b
6
16
26
36
Page 96 of 141
b
c
b
a
7
17
27
37
a
a
a
c
8
18
28
38
c 9 c 10
a 19 c 20
a 29 b 30
b 39 a
c
a
b
SBLC, MASULIPATNAM
Page 97 of 141
10
11
12
13
14
15
16
17
18
19
SBLC, MASULIPATNAM
Page 98 of 141
21
22
23
24
25
26
27
28
29
30
31
32
33
SBLC, MASULIPATNAM
Page 99 of 141
35
36
37
38
39
40
41
42
43
44
SBLC, MASULIPATNAM
46
47
48
49
50
SBLC, MASULIPATNAM
ANSWERS
1
11
21
31
42
d
d
a
B
a
2
12
22
32
43
a
b
d
A
b
3
13
23
33
44
c
a
a
B
b
4
14
24
34
45
a
b
b
B
a
5
15
25
35
46
d
c
b
A
a
6
16
26
36
47
c
a
c
a
a
7
17
27
37
48
a
a
a
b
a
8
18
28
38
49
d
b
a
a
a
9
19
29
39
50
d
c
a
a
a
10
20
30
40
a
B
B
B
SBLC, MASULIPATNAM
AGRICULTURE
10
11
12
14
15
16
17
18
19
20
21
22
23
24
SBLC, MASULIPATNAM
Processing Charges are waived upto what limit in Kisan Credit Card Scheme ?
A
2 lac
B
1lac
C
3 lac
D
5 lac
Personal Accident Insurance Scheme to KCC Borrowers can be covered upto
Maximum Age ?
A
70 Year
B
72 Years
C
75 Years
D
65 Years
Under PAIS to KCC Borrowers what is the ratio of fee borne by Bank and
Borrower
A
1:2
B
3:1
C
1:3
D
2:1
What is the maximum coverage to a KCC Borrower under PAIS, who died
due to accident ?
A
50000/B
25000/C
75000/D
100000/What is the maximum premium to be paid by a KCC Borrower under PAIS ?
A
Rs.5/B
Rs.15/C
Rs.10/D
None of these
In which scheme Self Employed persons such as fishermen, rickshaw owner,
handloom weavers and SHGs can be sanctioned Working Capital and Term
Loan in same lines of KCC ?
A
Kisan Gold Card
B
General Credit Card
C
Swarojgar Credit Card
D
Kisan Sarpat Yojana
What is the Maximum Quantum of finance can be extended under Kisan Gold
Card Scheme ?
A
Rs.10 lacs
B
Rs.15 lacs
C
Rs. 5 lacs
D
Max. 5 times the annual farm
income/50% value of the land
mortgaged less term loan
outstandings/Rs. 10 lacs
whichever is less
What is the validity of General Credit Card ?
A
3 years
B
5 years
C
4 years
D
1 year
What is the minimum and maximum quantum of loan that can be sanctioned
as a mortgage loan to seed processing units ?
A
Rs.5.00 lacs and Rs.50 lacs
B
Rs.50.00 lacs and Rs.100 lacs
C
Rs.5.00 lacs and Rs.100 lacs
D
Rs.1.00 lac and Rs.50 lacs
What is the Margin fixed for mortgage loan to seed processing units ?
A
35%
B
25%
C
20%
D
50%
What is the maximum amount of advance that can be sanctioned under
Produce Marketing Loan Scheme ?
A
Rs.10 lacs
B
Rs. 50 lacs
C
Rs.30 lacs
D
Rs.15 lacs
What is the margin applicable for loans under PML Scheme ?
A
40%
B
5%
C
10%
D
15%
26
27
28
29
30
31
32
33
34
35
SBLC, MASULIPATNAM
What is the maximum repayment period in respect of Term Loans for Power
Tillers ?
A
7 years
B
9 years
C
5 years
D
6-7 years
What is the Maximum Project Cost for financing of Agri Clinic and Agri
Business Centres for single agri graduate and group of agricultural graduates
respectively ?
A
20 lacs, 50 lacs
B
25 lacs, 50 lacs
C
25 lacs, 100 lacs
D
20 lacs, 100 lacs
As per the Supreme Court ruling, no advance should be granted to ------- type
of agricultural activity
A
Sericulture
B
Advances for cold storages
C
Pisci culture
D
Brackish Water Aquaculture
Maximum amount can be sanctioned to a farmer under SBI Krishak Uthaan
Yojana ?
A
1 lac
B
2 lac
C
0.50 lac
D
1.5 lac
What is the maximum amount can be financed under scheme for financing
Private Cold Storage / Private Warehouses for on-lending to farmers ?
A
100 lacs
B
200 lacs
C
300 lacs
D
400 lacs
What should be the minimum capacity of cold storage to be considered for
finance under scheme for cold storage/private ware houses for on lending to
farmers ?
A
2000 mt
B
2500 mt
C
1000 mt
D
5000 mt
What is the minimum land criteria for financing a self propelled Combine
Harvestor ?
A
8 Acres Irrigated land
B
6 Acres Irrigated land
C
4 Acres Irrigated land
D
2 Acres Irrigated land
What should be the minimum usage per annum for Combine Harvestor to
become a viable project, for finance ?
A
500 hrs
B
1500 hrs
C
2000 hrs
D
1000 hrs
Which type of Alternate Channel product is being provided to KCC Borrower ?
A
State Bank Gift Card
B
Green Remit Card
C
State Bank Kisan Card
D
State Bank Credit Card
What is the minimum land holding should a borrower possess to become
eligible for finance under New Tractor Loan Scheme ?
A
4 Acre
B
2 Acre
C
1.5 Acre
D
1 Acre
What is the maximum repayment period under New Tractor Loan Scheme ?"
A
5 years
B
9 years
C
7 years
D
6 years
37
38
39
40
41
42
43
44
45
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47
SBLC, MASULIPATNAM
What is the maximum limit/limits for waiver of collateral security as per the
revised KCC Scheme ?
A
3 lacs
B
1 lac
C
2 lacs
D
1 lacs and 3 lacs with tie-up
arrangement
What Flexible Limit can be sanctioned to KCC borrowers, to meet post
harvest expenses, consumption needs, storage cost and small means of
investment etc as per the revised KCC Scheme
A
Rs. 10000/B
Rs.50000/C
Rs.10000/- to Rs.50000/D
None of the above
RBI has directed the banks that the shortfall in Agricultural credit of 18% and
shortfall in priority sector lending target of 40% should be invested in
A
RBI
B
RIDF
C
PM's Relief Fund
D
Agriculture Development
Fund
What is the Bank's reward and recognition scheme to reward the officers
who have excelled in Agri Business
A
The Achiever Award
B
Green Channel Program for
Excellence
C
The Gold Crown
D
The Silver Crown
What is the maximum loan amount can be financed to a Dairy unit under
Dairy Plus Scheme ?
A
5 lacs
B
2 lacs
C
3 lacs
D
10 lacs
What is the maximum repayment period for a term loan in Dairy Plus ?
A
7 years
B
5 years
C
3 years
D
4 years
What should be maximum age for a borrower to get a finance under Dairy
Plus ?
A
Below 65 years
B
Below 70 years
C
Below 60 years
D
No age limit
For a big dairy unit of 10 animals and above applicant should own ----- acres
of land
A
1.5 acre
B
2 acre
C
1 acre for every 5 animals
D
None of the above
No. of persons in a SHG shall not be more than ------- members ?
A
20
B
10
C
25
D
No limit
Maximum Credit Limit permissible to an SHG under SHG Credit Card
Scheme?
A
4 times savings corpus
B
8 times savings corpurs
C
6 time savings corpurs
D
Rs. 500000/What is the validity of SHG Credit Card ?
A
1 year
B
5 years
C
2 years
D
3 years
What is the minimum limit amount as per the SHG Gold Card ?
A
1 lac
B
2 lac
C
3 lac
D
0.50 lac
49
50
51
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SBLC, MASULIPATNAM
What is the maximum sub limit amount can be financed for purchasing a Bulk
Chilling Unit for a dairy society under Dairy Plus Society scheme
A
2 lac
B
3 lac
C
4 lac
D
1 lac
What is the minimum DSCR to sanction a loan under dairy plus scheme ?
A
2:1
B
1.75:1
C
2.5:1
D
None of the above
What is the maximum loan amount under SHG finance ?
A
10 times the corpus or savings
B
8 times the corpus or savings
C
6 times the corpus/savings
D
4 times the corpus or saviangs
What should be the collateral value in respect of an agricultural gold loan ?
A
110% of advance value
B
125% of advance value
C
100% advance value
D
150% of advance value
With a view to mitigate the inconvenience to the borrowers RBI has dispensed
with obtaining No dues Certificate from applicant requiring loan limit upto ----A
Rs.50000/B
Rs.10000/C
Rs.25000/D
Rs.100000/Crop insurance is required to be done compulsorily for ----A
Compulsory for all crops
B
Not compulsory
C
Compulsory for all notified crops D
Only Small and Marginal
Farmer crops
SBI Krishak Uthaan Youjana aims to provide short term production and
consumption credit to----A
Small and Marginal Farmers
B
Agriculture Labour
who own agri land
C
Tenant farmers, oral lessees
D
None of the above
and share croppers
What is the minimum land holding criteria for financing tractor up to 35 horse
power is
A
2 acres of perennially irrigated
B
6 acres of perennially irrigated
land
land
C
4 acres of perennially irrigated
D
8 acres of perennially irrigated
land
land
What is the minimum hours of work per annum required to get finance under
Tractor Loan Scheme ?
A
600 hours
B
800 hours
C
1000 hours
D
500 hours
Instead of obtaining No dues Certificate a self declaration from the borrower in
respect of KCC/ACC loans upto ------------ and production loans upto ---------respectively ?
A
Rs. 50000/- and Rs.50000/B
Rs.100000/- and Rs.50000/C
Rs.25000/- and Rs.50000/D
Rs.50000/- and Rs.100000/What is the name of the Scheme that facilitates, financing the cost of repairs
for Tractors ?
A
Repairs to Tractors
B
Sanjivani
C
Tractor Plus
D
None of the above
What is the periodicity for inspection of a Irregular Tractor Loan account
A
Quarterly
B
Half Yearly
C
Monthly
D
Annually
61
62
63
64
65
66
67
68
69
70
71
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SBLC, MASULIPATNAM
74
75
76
77
78
79
80
81
82
83
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SBLC, MASULIPATNAM
While financing for crop production in Agriculture the amount of finance per
acre is called as ?
A
Working Capital Finance
B
Crop Finance
C
Scale of Finance
D
None of the above
Scale of Finance i.e., amount we sanction per acre under KCC is decided by ?
A
NABARAD
B
RBI
C
AGM of the Region
D
District Level Technical
Committee
The limit in KCC depends on the following
A
Farmer, Area, Crop
B
Farmer, Security, Cropping
C
Operational Land Holding,
D
None of the above
Cropping Pattern, Scale of
Finance
In KCC consumption credit is calculated on the following
A
Crop Production Limits
B
Total Limit Sanctioned
C
On allied production needs
D
On total production needs
In KCC upto ------------ limit no collateral security is obtained ?
A
0.50 lac
B
1.00 lac
C
2.00 lac
D
3.00 lac
The Primary Security in case of KCC is
A
Hypothecation of Standing
B
D P Note
Crops
C
Charge on Land
D
Mortgage of Land
Crop Insurance is covered by which of the following Insurance Companies ?
A
The United India Insurance Co
B
The Oriental Insurance Co. Ltd
C
SBI General Insurance Co. Ltd
D
The National Agriculture
Insurance Co.
Crop insurance is applicable to which crops ?
A
All crops
B
Cereals only
C
Pulses
D
Crops as decided by GOI for
each district and for each
season
Crop Insurance should be covered by -----A
Month wise
B
Monthwise , Crop wise
C
Monthwise, Crop wise, and
D
Month wise Crop Wise Mandal
Mandal wise
Wise and SF/Big Farmer wise
Zonal Office Scales are almost ----- times to normal scales of finances
A
2
B
3
C
4
D
5
KCC is sanctioned for the following purposes
A
Crop production needs
B
Allied Production needs
C
Miscellaneous needs
D
All the above
In contract Farming with the Tie Up Arrangement obtention of collateral
security is waived upto Rs.------A
2 lacs
B
1 lac
C
3 lacs
D
5 lacs
In Agricultural Term Loans, collateral is waived upto a limit of Rs.
A
5 lac
B
3 lac
C
2 lac
D
1lac
87
88
89
90
91
92
93
94
95
96
97
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SBLC, MASULIPATNAM
In Agriculture Term Loans where movable assets are not created out of bank
finance what is the limit above which collateral security is obtained ?
A
1 lac
B
0.20 lac
C
0.50 lac
D
2.00 lac
In Kisan Gold Card (KGC) how many number of loans can be sanctioned to a
single borrower ?
A
3
B
4
C
5
D
6
In personal accident insurance what is the time limit within which the nominee
of the injured has to report to the concerned bank ?
A
With in 1 week
B
Within 10 days
C
Within 15 days
D
Within 30days
The corpus fund in SHG does not include the following ?
A
Cash in Hand
B
Bank Loan
C
Cash in their Savings Account
D
Internal Loan outstanding with
the borrowers
Government of India is providing Interest Subvention to Short term agriculture
advances to
A
Only commercial banks
B
Commercial banks, RRBs
C
Commercial Banks, RRBs, and D
None of the above.
Cooperative Banks
In Agriculture Cash Credit interest @7% is charged upto a limit of Rs.
A
1 lakh
B
3 lakh
C
5akh
D
2 lakh
RIDF stands for
A
Rural India Development Fund
B
Rural Integrated Deposit Fund
C
Rural Industrial Development
D
Rural Infrastructure
Fund
Development Fund
NABARD prepares --------plan taking into consideration the potentials
available in the district before preparing the annual credit plan ?
A
Potential Credit Plan
B
Annual Credit Plan
C
Service Area Credit Plan
D
Potential Linked Credit Plan
Inspection charges for advances to weaker sections ?
A
No charges
B
25% of actual charges
C
75% actual charges
D
50% of actual charges
In agriculture advances, detailed opinion is compiled on borrowers whose
aggregate credit limits are more than Rs.
A
2 lac
B
1 lac
C
0.50 lac
D
0.25 lac
AB1 Simple Documentation is obtained for borrowers whose limits are ------A
Upto 0.50 lac
B
Upto 2 lac
C
Upto 1 lac
D
Upto 3 lac
The minimum amount in KCC for take over ------A
1 lac
B
2 lac
C
3 lac
D
5 lac
Demand Collection Balance Register is maintained for
A
CC & ACC accounts
B
KCC Accounts
C
ATL Accounts
D
ACC/KCC/ATL accounts
SBLC, MASULIPATNAM
C
100
101
102
103
104
105
106
107
108
109
110
111
113
114
115
116
117
118
119
120
SBLC, MASULIPATNAM
What is the criterion for land holding irrigated and non irrigated respectively to
become eligible for finance under DIR scheme ?
Not to exceed 2 acre of
A
Not to exceed 1 acre of irrigated B
irrigated and 5 Acres of Non
and 2.5 Acres of Non irrigated
irrigated land
land
C
No such ceiling
D
None of these
What is the criterion for land holding irrigated and non irrigated respectively
for SC/ST community farmers to become eligible for finance under DIR
scheme ?
Not to exceed 0.5 acre of
A
Not to exceed 1 acre of irrigated B
irrigated and 1.25 Acres of Non
and 2.5 Acres of Non irrigated
irrigated land
land
C
No such ceiling
D
None of these
What is the full form of PMEGP ?
A
Prime Ministers Education
B
Prime Ministers Environment
Guarantee Proramme
Guarantee Plan
C
Prime Ministers Employment
D
None of these
Guarantee Programme
What is the single national level nodal implementation agency for PMEGP ?
A
NREGS
B
PMRY
C
KVIC
D
NHB
As per the Scheme of Capital Investment Subsidy Scheme for commercial
production units of organic inputs, out of three components what was the
component that was withdrawn from the scheme w.e.f 11/8/2010 ?
A
Fruit and vegetable waste
B
Vermi Hatcheries
compost production unit
C
Biofertilizers and Biopesticides
D
None of these
production units
What is the subsidy provided for Fruit and vegetable waste compost
production unit by the NABARD under the above Scheme ?
A
33% of capital cost max. 60 lakh B
33% of capital cost max. 40 lakh
C
25% of capital cost max. 60
D
25% of capital cost max. 60
lakh
lakh
What is the subsidy provided for Bio Fertilizers/Bio Pesticides unit by the
NABARD under the above Scheme ?
A
33% of capital cost max. 60
B
25 % of capital cost max. 40
lakh
lakh
C
25% of capital cost max. 60
D
25% of capital cost max. 60
lakh
lakh
What is the implementing agency under the above scheme ?
A
National Centre of Organic
B
NABARD
Farming
C
National Horticulture Board
D
Central Government of India
As per the finance under Capital Investment Subsidy for Cosntruction / Renovation
of Rural Godown what is the project cost for godowns upto 1000mt
A
Project cost as appraised by
B
Project cost as appraised by
financing Bank or
financing Bank or
actual cost of Rs.3500/- per MT
actual cost of Rs.2500/- per
of storage
MT of storage
capacity, whichever is lower
capacity, whichever is lower
Page 111 of 141
SBLC, MASULIPATNAM
D
Project cost as appraised by
Project cost as appraised by
financing Bank or actual cost
financing Bank or actual cost of
of Rs.3000/- per MT of storage
Rs.5000/- per MT of storage
capacity, whichever is lower
capacity, whichever is lower
What is the ceiling on maximum subsidy in any category for the finance under
the scheme Capital Investment Subsidy for Cosntruction/Renovation of Rural
Godowns ?
A
Rs. 2 Crore
B
Rs.2.25 Crore
C
Rs.1.35 Crore
D
Rs. 3 crore
What is the eligible DSCR to get finance under New Tractor Loan Scheme ?
A
1.75 : 1
B
1.5 : 1
C
2:1
D
2.25 : 1
What is the IT platform used for issuing State Bank Kisan Card for usage
through ATM and POS ?
A
Ru Pay
B
Verisign
C
Maestro
D
Visa
What is the Margin on market value of gold to be retained in case of
Agriculture Gold Loans ?
A
20%
B
25%
C
30%
D
35%
Branch should obtain a certificate from a local jeweler for the loans above the
limit ---------?
A
Rs.50000/B
Rs.100000/C
Rs.75000/D
Irrespective of the limit
What is the minimum land holding criteria for financing tractor above 35 horse
power is
A
6 acres perennially irrigated
B
8 acres of perennially irrigated
land
land
C
10 acres of perennially irrigated D
None of the above
land.
What is Green Power?
A
Scheme to donate solar street
B
Villages having recovery of
lights to villages with excellent
50% or more should be
track record of recovery of
selected.
Agri NPAs.
C
Each RBO to select 3 to 5 best D
All of these.
villages in their area.
Limits sanctioned to dealers/sellers of fertilizers, pesticides, seeds, cattle
feed, poultry feed , agricultural implements and other inputs is.
A
Rs.5.00 crores.
B
Rs.1.00 crore.
C
Rs.50 lacs.
D
None of these.
Kharif season is from______ to ______.
A
April to September.
B
January to June.
C
October to March.
D
July to December.
Rabi season is from______to________.
A
April to September.
B
January to June.
C
October to March.
D
July to December.
Apiculture is________cultivation.
A
Bee keeping
B
Mushroom
C
Mulbery
D
None of these.
C
121
122
123
124
125
126
127
128
129
130
131
133
134
135
136
137
138
139
140
141
142
143
144
145
146
SBLC, MASULIPATNAM
148
149
150
151
152
153
154
155
156
157
158
159
160
SBLC, MASULIPATNAM
Under Minor irrigation, the spacing norms between two bore wells is?
A
250 meters
B
180 meters
B
215 meters
D
None of these.
No fresh minor irrigation loan can be sanctioned in
A
Green area
B
Dark area
C
Grey area
D
White area
White revolution relates to___________
A
Milk production
B
Rain water harvesting
C
Fish farming
D
Prawn cultivation
Yellow revolution relates to__________
A
Milk production
B
Flower production
C
Oil seed production
D
Rubber production.
An area is grey block where the underground wate exploitation is more
than______% but up to __________%
A
50, 50
B
60, 70
C
70, 90
D
50, 75
Underground water exploitation not more than_______% is called white block.
A
50
B
25
C
10
D
70
Broiler farming means__________
A
Rearing of layers
B
Rearing of ducks
C
Poultry farming for meat
D
Meat.
Performance test report for tractors, combine harvesters and power tillers
should be obtained by the manufacturers from
A
Dealer
B
Manufacturer
C
Central Farm Machinery Training D
RBI
& Testing Institute, Budni(M.P) /
Hissar (Haryana)
Small farmer means a person who is having
A
Up to 5 acres of dry land
B
10 acres of dry land
or 2.5 acres of wet land.
C
2.5 acres of dry land
D
5 acres of wet land
A Person having agricultural income has to producre form No____ for
depositing cash into a deposit account, as per IT rules.
A
60
B
61
C
50
D
54
Marginal farmer is a person having
A
5 acres of wet land
B
Up to 2.5 acres of dry land
B
Up to 1.25 acres of wet land
D
None of these
& up to acres of dry land.
Agriculture labourer means
A
Person having up to 0.5 acres
B
Has home stead
C
More than 50% of the income
D
All of these.
is from agricultural wages
Debeaking relates to________
A
Sheep rearing
B
Poultry
C
Fisheries
D
Duck rearing
Of the Bank's Net Bank Credit _______ % should go to agricultural sector.
A
40%
B
18%
C
10%
D
20%
Page 114 of 141
SBLC, MASULIPATNAM
ANSWERS
1
c
11
a
21
c
31
a
41
b
51
b
61
b
71
b
81
d
91
b
101
b
111
c
121
d
131
a
141
c
151
a
2
c
12
b
22
a
32
d
42
a
52
c
62
a
72
b
82
a
92
d
102
d
112
a
122
b
132
d
142
b
152
d
3
d
13
c
23
b
33
c
43
c
53
c
63
b
73
c
83
d
93
d
103
c
113
c
123
a
133
c
143
a
153
c
4
b
14
a
24
a
34
b
44
a
54
c
64
a
74
d
84
c
94
a
104
d
114
c
124
b
134
a
144
a
154
c
5
a
15
d
25
b
35
a
45
a
55
c
65
d
75
c
85
d
95
b
105
b
115
c
125
a
135
b
145
b
155
a
6
b
16
a
26
d
36
d
46
d
56
a
66
c
76
d
86
a
96
c
106
c
116
b
126
a
136
c
146
a
156
b
7
d
17
a
27
d
37
c
47
b
57
d
67
c
77
b
87
c
97
a
107
a
117
a
127
d
137
a
147
a
157
b
8
d
18
c
28
a
38
b
48
c
58
b
68
a
78
a
88
d
98
d
108
b
118
b
128
a
138
c
148
b
158
d
9
b
19
d
29
a
39
b
49
b
59
c
69
c
79
d
89
b
99
c
109
d
119
a
129
a
139
b
149
a
159
b
10
d
20
a
30
d
40
a
50
d
60
d
70
d
80
d
90
c
100
d
110
d
120
a
130
c
140
c
150
c
160
b
SBLC, MASULIPATNAM
GENERAL AWARENESS
SBLC, MASULIPATNAM
SBLC, MASULIPATNAM
SBLC, MASULIPATNAM
The base of Consumer Price Index for Industrial Workers is being shifted from
1982 to ______
a) 1995
b) 1998
d) 2001
c) 2000
54.
55.
56.
57.
58.
59.
60.
61.
62.
63.
64.
65.
SBLC, MASULIPATNAM
TALLY is a
a) Software for book keeping
67.
68.
69.
70.
71.
72.
73.
74.
75.
SBLC, MASULIPATNAM
Oligopoly refers to
a) Perfect competition
b) Competition between few players
b) A pure form of monopoly
d) None of the above
360 degrees feedback is
b) Subordinate appraisal
a) Boss appraisal
c) HR system
d) None of the above
Factoring relates to
a) Bill finance
b) Export finance
c) Receivable finance
d) Infrastructure finance
Take out finance is best used for
a) Bill finance
b) Real estate sector
c) Stock broker finance
d) Infrastructure finance
Derivatives derive their value
a) From SWAPs
b) Based on market prices
c) From the underlying security
d) Future tradable proposition.
Call option refers to
a) The right of the investor to buy a
b) The right of the investor to sell a
stock
stock.
d) The right of the investor both to
c) The obligation of the investor to
buy a stock
buy and sell a stock.
Which of the following is an Indian e-commerce firm?
b) Flipkart.com
a) Expedia.com
c) Bestbuy.com
d) Amazon.com
Reverse mortgage loans are introduced by banks
a) At the behest of RBI advice.
b) To help out old age people.
c) Changing population profile.
d) All the above
RBI advised Indian banks to adapt RBS (Risk Based Supervision)
b) To facilitate RFIA.
a) To fall in line with BASEL-II
framework.
c) To quantify risk
d) None of the above.
IFRS refers to
b) International Financial Reporting
a) International financial
reconstruction system
Standards
c) Internal Financial Regulation and d) Internal Financial reporting system
Supervision.
ANSWERS
1.
11.
21.
31.
41.
51
61
71
b
b
c
c
c
b
d
a
2.
12.
22.
32.
42.
52
62
72
c
c
d
a
a
d
c
b
3.
13.
23.
33.
43.
53
63
73
d
b
a
c
b
a
b
d
4.
14.
24.
34.
44.
54
64
74
a
a
a
a
c
b
a
a
5.
15.
25.
35.
45.
55
65
75
b
a
a
a
b
c
c
b
6.
16.
26.
36.
46.
56
66
a
a
c
c
c
a
b
7.
17.
27.
37.
47.
57
67
d
d
c
d
c
b
a
8.
18.
28.
38.
48.
58
68
d
b
b
d
a
a
c
9.
19.
29.
39.
49.
59
69
b
a
c
b
d
b
d
10.
20.
30.
40.
50.
60
70
c
d
b
a
a
a
c
SBLC, MASULIPATNAM
2.
3.
4.
5.
6.
7.
8.
9.
SBLC, MASULIPATNAM
15.
16.
17.
18.
19.
20.
21.
a)
Oil & Coal imports
b) Coal & Gold imports
c)
Gold & Oil imports
d) All the three.
Indias wage policy is based on ?
a)
Cost of living
b) Standard of living
c)
Productivity
d) None of these.
Which of the following is correct regarding the Gross Domestic Savings in
India.
a)
Contribution of the
b) Contribution of
household sector is the
Government sector is
largest.
the largest.
c)
Contribution of the
d) None of the above.
corporate sector is the
largest.
The modern economy is not characterized by
a)
Capital intensive mode of
b) Development of money
production
economy
c)
Production for market.
d) Self Sufficient village
system.
One of the problems in calculating the national income in India correctly is ?
a)
Under employment.
b) Inflation.
c)
Non monetized consumption. d) Low savings.
The main source of Indias national income is ?
a)
Industry.
b) Agriculture.
c)
Forestry
d) None of these.
Which of the following are the main causes of slow rate of growth of per capita
income in India. ?
a)
High capital output ratio.
b) High rate of growth of
population.
c)
High rate of capital
d) All the above
formation.
Among Indian economists who had done pioneering work on National Income?
a)
P N Dhar
b) Jagdish Bhagwati
c)
V K R V Rao
d) Prof. Shenoi
Page 123 of 141
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
SBLC, MASULIPATNAM
35.
36.
37.
38.
39.
40.
41.
42.
43.
44.
SBLC, MASULIPATNAM
46.
47.
48.
49.
50.
51.
52.
53.
54.
55.
56.
SBLC, MASULIPATNAM
58.
59.
60.
61.
62.
63.
64.
65.
66.
67.
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Which of the following is a must for new banks under new licensing norms of
RBI?
a)
The new banks should be stock b) Foreign share holding should not
market listed within 3 years of
exceed 49% within the first 5 years
commencement
c)
th of the branches should be
d) All the above
opened in rural areas.
As per WTO estimates for 2012, India is the _______largest merchandise
exporter and _______largest merchandise importer in the world.
b) 12th and 19th
a)
19th and 12th
rd
th
c)
3 and 7
d) 7th and 3rd
A recent committee appointed by Ministry of Finance suggested that currency
bins occupancy rate should not be more than ____% of Vault Holding Limit(VHL)
so that more shuffling of currency takes place.
a)
10%
b) 25%
c)
50%
d) 75%
Fresh evaluation of every item of expenditure from the very beginning of each
financial year is called ?
a)
Fresh Budgeting
b) Deficit Budgeting
c)
Performance Budgeting
d) Zero-based Budgeting
SBI recently opened its second Branch in China at
a)
Shangai
b) Beijing
c)
Tianjin
d) Shangdu
Mr.Montek Singh Ahluwalia is
a)
Deputy Chairman, Planning
b) Chairman, Planning Commission
Commission
c)
Special Advisor to GOI
d) Cabinet Secretary, Ministry of
Finance
SDRs are part of
a)
Balance of payments
b) Forex Reserves
c)
Current Account deficit
d) Trade deficit
The purpose of allowing banks to introduce Gold Deposit scheme by RBI is
a)
To channelize idle gold with
b) To check unbridled Gold imports
public into productive purposes
c)
As suggested by K U B Rao
d) All the above
committee
The FDI limits in retailing as introduced by Government of India recently are
a)
51% in single brand and 49% in b) 100% in single brand and 49% in
multi brand
multi brand
c)
100% in single brand and 51%
d) 100% in both single and multi
in multi brand
brands
CAD (Current Account Deficit) is always measure as a proportion of
a)
GNP
b) GDP
c)
NNP
d) NDP
The proposed GST (General Sales Tax) is a replacement of
a)
Central Excise duty
b) Value added tax (VAT)
c)
Service tax & other local taxes
d) All the above
69.
70.
71.
72.
73.
74.
75.
SBLC, MASULIPATNAM
SBLC, MASULIPATNAM
ANSWERS
1
6
11
16
21
26
31
36
41
46
51
56
61
66
71
a
d
a
a
c
b
b
b
c
a
b
d
c
b
b
2
7
12
17
22
27
32
37
42
47
52
57
62
67
72
b
b
b
d
d
a
a
c
a
d
c
d
a
d
a
3
8
13
18
23
28
33
38
43
48
53
58
63
68
73
b
d
b
c
c
d
a
a
d
b
c
a
b
b
b
4
9
14
19
24
29
34
39
44
49
54
59
64
69
74
a
c
d
b
c
a
b
c
a
a
d
b
d
d
c
5
10
15
20
25
30
35
40
45
50
55
60
65
70
75
c
c
a
a
a
d
d
b
a
a
d
d
c
c
a
SBLC, MASULIPATNAM
GENERAL AWARENESS
2.
3.
4.
5.
6.
7.
8.
9.
SBLC, MASULIPATNAM
SBLC, MASULIPATNAM
SBLC, MASULIPATNAM
SBLC, MASULIPATNAM
ANSWERS
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
b
c
a
c
d
c
c
b
a
c
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
c
a
d
c
b
d
a
c
c
a
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
c
a
c
b
c
a
d
c
a
d
31.
32.
33.
34.
35.
36.
37.
38.
39.
40.
c
d
d
d
c
c
b
b
d
c
41.
42.
43.
44.
45.
46.
47.
48.
49.
50.
b
c
b
d
b
c
a
b
b
c
NOTES :
10. PIIGS
SBLC, MASULIPATNAM
10
11
12
13
14
15
16
17
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19
20
21
22
23
24
25
26
27
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29
30
1.d
13.c
25.b
SBLC, MASULIPATNAM
ANSWERS
2.d
3.d
4.a
5.a 6.d
7.b 8.b 9.a
14.a 15.a 16.a 17.b 18.a 19.d 20.c 21.b
26.d 27.d 28.a 29.c 30.a